Essential Coverage Inc Clark Guo · licensed Medicare agent, New York

Medicare, gone through once, properly.

Sit down with Clark Guo and work through your Medicare options in plain language — what you have, what it costs you, and what changes if you switch. Free, and you are never obligated to enroll in anything.

  • ✓In person anywhere in the five boroughs, or by video if you'd rather stay home.
  • ✓New to Medicare or reviewing a plan you've had for years — both are the same conversation.
  • ✓This form never asks for your phone number, Medicare number, Social Security number, or health history.
  • ✓Your information stays in this office. We do not sell leads.

“Most people meet their plan's fine print at the pharmacy counter. I'd rather you meet it at my desk.” — Clark Guo

Request a consultation

Clark replies by email within one business day to set a time. Fields marked optional can be left blank.

No phone number required. There is never a fee for a consultation.

We do not offer every plan available in your area. Currently we represent [NUMBER] organizations which offer [NUMBER] products in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.

What happens after you send this

  1. An email back

    Within one business day, from Clark directly, proposing a time and a place — your home, a coffee shop, the office, or a video call.

  2. A form to sign

    Medicare requires a Scope of Appointment before an agent can discuss specific plans. It's one page, it records only what you agreed to talk about, and you can narrow or withdraw it at any time.

  3. The conversation

    About forty-five minutes. We look at your doctors, your prescriptions, and what you're paying now, then compare that against the plans this office represents.

  4. A written summary

    Everything we discussed, in writing, so you can think it over or show it to family. Enrolling is a separate decision you make later, if at all.

Two things that work differently in New York

Medigap here isn't a one-time window
In most states, if you miss your initial Medicare Supplement window, insurers can later ask health questions, charge you more, or turn you down. New York law requires continuous open enrollment and community rating instead, so insurers must accept you year-round and your premium depends on where you live rather than your age or health. It changes the math on whether Advantage or Supplement makes sense for you, and most people are never told about it. You can compare current rates yourself through the New York State Department of Financial Services.
There's state help most people never claim
Between the Medicare Savings Programs, Extra Help for drug costs, and EPIC — New York's own prescription program for residents over 65 — a lot of New Yorkers qualify for assistance nobody has mentioned to them. We check for all of it, whether or not you end up enrolling in anything through this office.

Medicare's Annual Enrollment Period runs October 15 to December 7. If you want a review before it closes, book by late November — the calendar fills.

You can also get this help free, from someone who isn't paid on it

New York's State Health Insurance Assistance Program is called HIICAP. Its counselors are trained volunteers with no financial interest in what you choose, and they can walk you through every plan in your county, not just the ones this office represents. Reach them at 1-800-701-0501 or through the New York State Office for the Aging. You can also compare every plan yourself at Medicare.gov or by calling 1-800-MEDICARE, 24 hours a day.

We tell you this up front because you should know your options before you sit down with anyone, including us.

How to tell an email is really from this office

People on Medicare are targeted by fraud more than almost any other group. So here is exactly how this office operates. Anything that departs from it is not us, no matter whose name is on it.

  • ●Every email from us comes from contact.health.clarks@gmail.com. No other address is us.
  • ●We will never ask for your Medicare number, Social Security number, or bank or card details by email — not to book, not to confirm, not to verify anything. There is no situation where we need those in your inbox.
  • ●We do not cold-call. Federal Medicare rules bar an agent from calling you unless you asked us to. An unexpected call claiming to be this office is not this office.
  • ●We never ask you for money. Any message asking you to pay this office a fee is fraudulent — consultations are free and the carrier pays us only if you choose to enroll.
  • ●Medicare will not call you asking for your Medicare number, and neither will a legitimate plan. Anyone who does is stealing it.
  • ●This form asks for no phone number, no Medicare number, and no Social Security number by design. There is very little here worth stealing, which is the point.

If a message feels wrong, do not reply to it and do not click anything in it. Call 1-800-MEDICARE and ask them directly. To report suspected Medicare fraud, call the same number, or reach New York’s Senior Medicare Patrol through 1-800-701-0501.

Free language help