About Policy65

Policy65 exists because the senior insurance internet is full of two kinds of pages, and a quietly important third kind is missing.

The two kinds that exist

The first kind: Medicare.gov and CMS pages. These are authoritative and accurate, but they're written in regulatory language. A 70-year-old asking whether Medicare covers Ozempic is not well-served by a paragraph that begins, "Beneficiaries enrolled in a Medicare Part D plan should consult their plan's formulary for specific coverage determinations regarding semaglutide."

The second kind: lead-generation sites. These look like editorial content but are funnels for one carrier or one product type. Search "Medicare Plan G" and you'll find dozens of pages designed to capture your contact info and route it to a high-commission product. Some of these sites have useful information mixed in; many are pure marketing in editorial clothing.

The kind we publish

Plain-English answers to specific Medicare coverage questions, sourced from the same primary documents Medicare.gov uses, written for actual humans, with citations and reviewer credentials posted on every page. When affiliate partnerships make sense for readers — like comparing real insurance quotes from a licensed agent — we say so plainly. The editorial pages stay editorial.

What we publish

• Coverage pages: 12 (and growing) plain-English breakdowns of "Does Medicare cover X" for specific drugs, services, and care types. Each page is reviewed by a licensed insurance professional and cites primary sources.
• Plan letter explainers: Honest comparisons of Plan G, Plan N, Medicare Advantage vs Medigap, with real cost math instead of marketing copy.
• Free tools: Penalty calculators, state-by-state cost lookups, drug coverage searches — all using real CMS data, no email walls.
• Guides: Longer-form pieces on enrollment timing, working past 65, veterans' benefits coordination, and senior insurance products like final expense.

What we don't do

• We don't sell insurance directly
• We don't take payment to feature specific carriers in our editorial coverage
• We don't publish auto-generated content or content that hasn't been reviewed by a human with subject-matter knowledge
• We don't push Medicare Advantage as the default for everyone (or Medigap as the default — we present the tradeoffs)
• We don't sell email addresses or share reader information with marketing partners

How we make money

Three revenue sources, in this order of importance:

1. Display advertising (Google AdSense). Most of our revenue comes from ads served by AdSense's automated bidding system. We don't control which advertisers buy our inventory; the relationship is purely impression-based.
2. Affiliate commissions for licensed insurance agent comparisons. When you click through our "compare plans" buttons and request a quote from a licensed agent partner, we may earn a commission on policies that result. This commission is paid by the agent's commission pool, not by you. It does not affect your premium. We disclose this on every page where it applies.
3. Reader contributions and partnerships. Occasionally we work with non-conflicted partners (state agencies, advocacy groups) on educational content; these are clearly marked.

Editorial independence

None of our revenue sources have editorial influence over what we publish. Carriers cannot pay us to favorably rank their plans. AdSense cannot dictate our coverage. Our affiliate partnerships are based on plan comparison utility, not on which carrier pays the highest commission.

If you ever spot what looks like editorial bias — a plan or carrier that seems to be presented in a way that doesn't match the actual data — please email us. We've structured the site to avoid that and we want to know about it if it's happening.

Accuracy and corrections

We work hard to be accurate, but Medicare rules change, drug formularies update annually, and we sometimes make mistakes. If you find an error, contact us and we'll correct it quickly. We add a "corrected on [date]" note to any page where a substantive correction is made.

Who's behind it

Policy65 is independently owned and operated. The site is in active development; the team includes editorial staff with backgrounds in health policy, insurance, and consumer-facing finance content. All coverage pages are reviewed by a licensed insurance reviewer (NPN posted on each page).

Get in touch

The fastest way to reach us is via the contact form. We read every message and reply to most within a few business days. We're particularly interested in:

• Coverage questions you wish were better answered online
• Errors or outdated information you've spotted
• Topics you'd like us to cover in future content
• Feedback on what's helpful, what's confusing, what's missing

Policy65 is not affiliated with the federal Medicare program or any government agency. We are not insurance brokers, agents, or financial advisors. The content on this site is educational and should not be used as a substitute for advice from a licensed professional or from Medicare itself.