Medicare Author & Fee-only Consultant Licensed Insurance Consultant, not sales agent Neil Brown, Founder
Medicare Author & Fee-only ConsultantLicensed Insurance Consultant, not sales agentNeil Brown, 

On Your Terms

No sales are possible, just professional guidance with all types of Medicare coverage. Not limited to any one company or companies.


Licensed Insurance Consultant* with many years of experience, but not affiliated with any insurance company: Utterly independent guidance for all readers and clients.            

About Neil Brown

Over 35 years of experience in the insurance industry, over 14 years specializing in Medicare.

Contributor to The Wall Street Journal.

65 years old, 1981 graduate of The University of Texas at Austin.

Certificates in Medicare and Long-Term Care Insurance.

See the author's book, "Medicare Entry Guide"


Because of the terrible problem with robo-calls, please initiate contact via email, which I check frequently.

Thank You.  Neil Brown


Wall Street Journal contributions to the "Ask Encore" retirement column:

1-25-2021,  11-14-2020  and  4-7-2020 are available.

9-9-2019 and 10-22-2018 are no longer available.


Some clients have asked about Life Insurance and Long-Term Care Insurance. For those topics,

I recommend nationally-known, fee-only Consultant Glenn Daily, CFP®, at


An additional topic, from time to time, is that of Social Security.  For that topic, let me recommend:

"Social Security Made Simple" by Mike Piper, CPA.


Excellent article about Dental, Vision and Hearing benefits in Traditional Medicare and Medicare Advantage:


*Many people, even insurance agents, are surprised to learn there is an insurance Consultant’s  license, which is  separate from a traditional Agent's sales license.   Nevada Lic #3480168.

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