About The Medicare Desk

Why The Medicare Desk Exists

Medicare is confusing, and most of the sites explaining it are not really trying to help. They are trying to sell something.

The Medicare Desk is built on a different premise: people approaching Medicare eligibility, current beneficiaries, and the family members helping them deserve clear, honest, well-researched information. Not lead-magnet disguised as content. Not fear-based marketing. Not plan-pushing dressed up as guidance.

We write about Medicare the way a knowledgeable friend would explain it over coffee, with enough depth to actually help you decide, and without the pressure to sign anything.

What We Cover

The Medicare Desk publishes educational content across the full Medicare landscape:

• Original Medicare (Parts A and B)
• Medicare Advantage (Part C), including HMO, PPO, and special needs plans
• Medicare Supplement Insurance (Medigap), Plans A through N
• Medicare Part D prescription drug coverage
• Enrollment periods (AEP, IEP, SEP, OEP) and the rules around them
• Costs and penalties: premiums, deductibles, IRMAA, late enrollment penalties
• Transitions: aging into Medicare, moving from employer coverage, Medicare and HSAs
• Medicare and related programs: Medicaid dual eligibility, PACE, Extra Help, State Pharmaceutical Assistance Programs

Our goal is to cover the topics people actually have questions about, in the depth the question deserves, and to be honest when the right answer is to talk to a SHIP counselor or call Medicare directly.

Who We Are

The Medicare Desk is a publication of Tojocu LLC, an Arizona-based company that builds trusted educational resources in high-stakes consumer verticals. Tojocu operates a portfolio of content properties focused on life-transition moments where clear information matters most.

The Medicare Desk is staffed by an editorial team that combines research specialists, healthcare policy reviewers, and practical content editors. We use modern AI tools as part of our research and drafting workflow, but every article is reviewed, fact-checked, and finalized by a qualified human editor before it is published. You can read more about how we produce content in our Editorial Policy.

How We Make Money, and Why It Matters

The Medicare Desk is free. We do not charge readers for our content. To sustain the site and keep it free, we participate in affiliate programs. When a reader clicks certain links and takes a qualifying action on a partner's site, we may earn a commission.

This is how the site is funded. It is also something you should know about when you read our content.

Our commitments:

• We do not accept payment in exchange for favorable coverage
• Our recommendations are based on merit, not commission rates
• When affiliate links appear, they are disclosed
• We cover options we earn nothing from, when those are the right answer for the reader

For full detail, see our Affiliate Disclosure and Editorial Policy.

What We Are Not

The Medicare Desk is an educational publisher. We are not:

• An insurance agent, broker, or agency
• A government agency or affiliated with Medicare
• A licensed financial, legal, or tax advisor
• A provider of personalized insurance recommendations based on your specific situation

For personalized guidance, please contact a licensed professional or use one of the free, unbiased resources below.

Free, Unbiased Help

We will always point readers to these resources, because they are genuinely excellent and genuinely free:

• Medicare.gov, the official U.S. government Medicare site, including the Plan Finder tool
• 1-800-MEDICARE (1-800-633-4227), the 24-hour federal Medicare help line
• State Health Insurance Assistance Program (SHIP), free one-on-one Medicare counseling available in every state, from counselors who do not sell insurance. Find your local SHIP at shiphelp.org
• Medicare Rights Center, nonprofit consumer service organization at medicarerights.org

Our Standards

We hold ourselves to the standards outlined in our Editorial Policy. The short version:

• Accuracy over speed
• Plain language over jargon
• Editorial independence from affiliate partners
• Whole-picture coverage, including options we do not profit from
• No fear-based marketing, no hype
• Corrections when we get something wrong

Get in Touch

We welcome reader questions, suggestions, corrections, and topic requests:

General inquiries, feedback, corrections, topic suggestions: [email protected]

Legal, privacy, compliance: [email protected]

Or use our Contact page.

Publisher

Tojocu LLC 10869 N Scottsdale Rd, Suite 103 PMB 556 Scottsdale, AZ 85254 United States