Legal

Disclaimer

Last updated: 2026

This channel is for general education only. I am not a licensed insurance agent, broker, or financial advisor. I do not sell or recommend specific plans, and nothing here is financial, insurance, tax, or legal advice for your situation. This channel is not affiliated with, endorsed by, or connected to Medicare, CMS, the Social Security Administration, or any government agency. For decisions about your coverage, talk to a licensed agent or your free State Health Insurance Assistance Program (SHIP) counselor at shiphelp.org.

Education, not advice

Everything on Plainly Retired, including the videos, this website, the newsletter, and any downloads, is general education. It isn't insurance, financial, tax, medical, or legal advice, and it isn't tailored to your personal situation. Before making a decision about your coverage, your money, or your health, talk to a licensed professional who can look at your specific circumstances.

Not affiliated with the government

Plainly Retired is an independent educational channel. It is not affiliated with, endorsed by, or connected to Medicare, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other government agency. We don't use government logos or seals, and nothing here is "official," "Medicare-approved," or government-authorized.

We don't sell or recommend plans

We don't sell insurance, we don't rank or recommend specific plans or carriers, and we don't collect leads or take any payment tied to enrollment. For your own coverage decisions, compare options yourself at Medicare.gov, or get free, unbiased help from your State Health Insurance Assistance Program (SHIP) at shiphelp.org.

Accuracy and dates

Medicare and retirement rules change every year. We show figures with the year they apply to and cite the official source, but numbers can change after a video or page is published. Always confirm the current details at the official source before you act.

Sponsors and affiliate links

The channel is a publisher and does not currently run Medicare plan or agent referrals of any kind. If a video or page ever includes a paid sponsorship or an affiliate link (for example, a non-Medicare tool), it will carry a clear, separate disclosure of that paid relationship, in line with FTC guidelines. Those are always independent of, and never a substitute for, the free official resources above.

External links

We link to outside websites, including government sites, for your convenience. We don't control those sites and aren't responsible for their content, accuracy, or privacy practices.

Questions about this disclaimer? See our privacy note or reach us through the channel.