Hi, I’m Russell Noga.

I’m an independent Medicare educator and health insurance researcher who focuses on helping individuals, families, and caregivers better understand their Medicare and supplemental insurance options.

I have spent years studying Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D prescription drug plans, and related health insurance topics.

My work centers on explaining complex insurance concepts in clear, straightforward language so readers can make informed decisions with confidence.

Experience & Background

My background includes extensive research into Medicare plan structures, enrollment periods, benefit designs, and cost considerations. I closely follow updates from the Centers for Medicare & Medicaid Services (CMS), carrier plan documentation, and official Medicare resources to ensure information is accurate and current.

Rather than promoting a single plan or company, my goal is to provide balanced, educational content that helps readers understand how different types of coverage work and what questions to ask before enrolling.

Medicare Experience & Areas of Focus

I have worked extensively across multiple Medicare enrollment cycles, closely tracking how Medicare Advantage, Medigap, and Part D plans change from year to year. This includes monitoring updates during the Annual Enrollment Period (AEP), Medicare Advantage Open Enrollment Period (OEP), and other qualifying enrollment windows.

My Medicare research focuses on helping readers understand:

• How Medicare Advantage and Medigap plans differ in structure and cost
• How provider networks, benefits, and cost-sharing can change annually
• Common enrollment mistakes and timing considerations
• How prescription drug coverage works under Medicare Part D
• How to evaluate plan information using official Medicare resources

This experience allows me to explain Medicare coverage using real-world scenarios and the questions beneficiaries most often face.

Editorial Standards

All content published on this website is created for educational purposes only. Articles are written using publicly available information from Medicare.gov, CMS publications, and insurance carrier materials.

Content is reviewed regularly and updated as Medicare rules, plan availability, and regulations change.

Editorial Independence & No Sales Pressure

MedicarePlansGuide.org is an independent educational website. I do not represent Medicare, CMS, or any insurance company, and I do not promote or recommend specific insurance products.

The purpose of this site is to help individuals understand how Medicare works so they can make informed decisions. When readers choose to speak with a licensed insurance agent or review plan options, those decisions are entirely their own.

This separation between education and enrollment helps ensure information remains neutral, accurate, and easy to understand.

Disclosure

This website is not affiliated with the U.S. government or Medicare.

Some pages may reference insurance companies or plan types. The information provided is intended to help readers understand coverage options and does not constitute legal, financial, or medical advice.

Content reviewed and updated for accuracy as Medicare rules and plan availability change.