Your information stays yours.

The tools on this site run entirely in your browser. Answers you enter into the Decision Lab, the cost calculator, the timeline, or the penalty estimator are not sent to us, stored on a server, or saved between visits.

If you book a review, call, or email, we receive only the information you choose to share so we can help you.

We do not sell, rent, or trade your information. We do not place your details on a shared lead list. We do not require an email address to use any tool on this site.

We may use privacy-respecting, aggregate analytics to understand which pages are useful. This does not identify you personally and is never used for advertising retargeting.

There is no fee to work with Pearl Insurance Services. If you enroll in a plan, the insurance company pays a commission. That commission is the same whether you enroll through us or directly with the carrier, and it does not change our recommendation.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Pearl Insurance Services is not affiliated with Medicare.gov, the Centers for Medicare & Medicaid Services, or any federal or state government agency. The tools on this site are educational estimates, not a quote, an application, or a guarantee of coverage.

If you have a question about your information or would like it removed from our records, call or email and we will take care of it.