Medicare Disclosures

This page contains the disclosures Up Planning Edge LLC (DBA "Medicare with Megan") is required to make under the Centers for Medicare & Medicaid Services (CMS) Contract Year 2026 Final Rule, the broader CMS Marketing Guidelines, and applicable state insurance laws. These disclosures apply to all our website content, marketing materials, sales calls, webinars, and consultations.

1. Who we are

Up Planning Edge LLC (DBA "Medicare with Megan") is an independent insurance brokerage licensed to sell Medicare-related insurance products in multiple states, including Texas. Our principal place of business is Friendswood, Texas. Our agent of record is Megan Neri, a licensed insurance broker.

2. We are NOT the government

Up Planning Edge LLC is not connected with or endorsed by:

• The United States government
• The federal Medicare program
• The U.S. Centers for Medicare & Medicaid Services (CMS)
• The Social Security Administration
• Any federal, state, or local government agency

If anyone you encounter — whether on this site, by phone, by mail, or in person — implies a government affiliation while representing us, please report it. That is a violation of CMS rules.

3. Plans we offer

We are appointed to sell — and may discuss with you — the following Medicare-related products from multiple insurance carriers:

• Medicare Advantage Plans (Part C, including HMO, PPO, PFFS, and SNPs)
• Medicare Supplement Plans (Medigap — Plans A, B, D, G, K, L, M, N, and high-deductible variants where available)
• Medicare Part D Prescription Drug Plans
• Dental, Vision, and Hearing ancillary plans (where appropriate)

We do not offer every plan available in your area. The plans we offer are limited to the carriers we are appointed with. There are other plans, sold by other agents or directly by carriers, that we cannot offer. To see every plan available in your ZIP code, use the official Medicare Plan Finder at medicare.gov/plan-compare.

4. How we are paid

You pay us nothing. Our compensation comes directly from the insurance carrier when you enroll in a plan we recommend. The carrier pays us the same commission whether you enroll through us or through another licensed agent. Carriers also pay similar commission structures across plans, which is regulated by CMS to prevent agents from steering clients toward higher-paying plans.

Once a year on the home page, in any solicitation material, or upon request, we will disclose the general commission structure we receive. Specific dollar amounts vary by carrier, plan type, and state.

5. Communications and consent

If you provide your contact information through our website, webinar registration, or phone call, you authorize a licensed insurance agent to contact you regarding Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D plans. This is a solicitation for insurance.

You may opt out of communications at any time:

• SMS: reply STOP
• Email: click the unsubscribe link
• Phone: ask to be added to our internal Do Not Call list — request will be honored within 30 days
• All channels: email [email protected]

6. Call recording

Per the CMS Final Rule 2026, all Medicare-related sales and enrollment calls are recorded and retained for 10 years. You will be informed at the start of any such call. Recordings are stored securely and may be reviewed by us, the insurance carrier, or CMS for compliance purposes.

7. Scope of Appointment (SOA)

Before we discuss specific Medicare Advantage or Part D plan options with you, CMS requires you to complete a Scope of Appointment form. The SOA records what plan types you have agreed to discuss. We must wait at least 48 hours from SOA completion before that discussion (with limited exceptions for unscheduled walk-ins). You may revoke or amend an SOA at any time before the appointment.

8. No high-pressure tactics

We do not use, and CMS prohibits:

• Cold calls or unsolicited contact for Medicare plans
• Door-to-door solicitation
• Misleading "Medicare" branding implying government affiliation
• Gifts of more than $15 nominal value to current or prospective clients
• Comparing or referencing other plans negatively without supporting facts
• Creating false urgency outside of legitimate enrollment deadlines

9. Important enrollment dates

• Initial Enrollment Period (IEP): 7-month window around your 65th birthday.
• Annual Election Period (AEP): October 15 – December 7 each year, for coverage starting January 1.
• Medicare Advantage Open Enrollment Period (MA-OEP): January 1 – March 31, for one MA-to-MA or MA-to-Original Medicare switch.
• Special Enrollment Periods (SEPs): triggered by qualifying events (move, loss of employer coverage, plan non-renewal, dual-eligible status, etc.).
• Plan non-renewal SEP for 2026: through February 28, 2026, for beneficiaries whose plan was discontinued.

10. Your rights

You have the right to:

• Refuse to provide your information.
• Refuse to discuss insurance plans without consequence.
• Cancel or reschedule any appointment with us.
• File a complaint with us, with your state Department of Insurance, with the carrier, with Medicare (1-800-MEDICARE), or with CMS directly.
• Request a copy of all records we hold about you, subject to legitimate retention requirements.
• Use any other agent, broker, or enroll directly with the carrier — at no cost penalty.

11. Where to verify or report

• Medicare: medicare.gov · 1-800-MEDICARE (TTY 1-877-486-2048) — official source for every plan in your area.
• State Health Insurance Assistance Program (SHIP): free, unbiased Medicare counseling. Find your state's SHIP at shiphelp.org.
• Texas Department of Insurance: tdi.texas.gov · 1-800-252-3439 — for licensing, complaints, or fraud reports.
• Senior Medicare Patrol (SMP): reports Medicare fraud, errors, and abuse — smpresource.org.
• Report concerns about us specifically: [email protected] — we will investigate and respond within 5 business days.

12. Contact

Up Planning Edge LLC (DBA "Medicare with Megan")
Friendswood, Texas
[email protected]

See also: Privacy Policy · Terms of Service