# Dalton Insurance Agency > Independent Medicare insurance brokerage based in Dadeville, Alabama. Founded by Dr. Tyler Dalton, PharmD. Free consultations. Licensed in 9 states. ## About Dalton Insurance Agency is an independent Medicare insurance brokerage based in Dadeville, Alabama. Founded by Dr. Tyler Dalton, PharmD, a licensed insurance broker with a Doctor of Pharmacy degree. The agency helps individuals compare and enroll in Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D, dental, vision, life insurance, and annuity plans. Services are free to the client. Licensed in Alabama, Georgia, Florida, Tennessee, Mississippi, South Carolina, North Carolina, Louisiana, and Illinois. ## Contact - Phone: (334) 489-3624 - Address: 221 E South Street, Dadeville, AL 36853 - Website: https://www.dalton-insuranceagency.com - Email: tyler@dalton-insuranceagency.com ## Services - Medicare Advantage plan comparison and enrollment - Medicare Supplement (Medigap) plan comparison and enrollment - Medicare Part D prescription drug plan guidance - Annual Enrollment Period plan reviews - New to Medicare (Turning 65) guidance - Dental, vision, and hearing supplemental coverage - Life insurance - Annuities - Long-term care planning - Cancer insurance - Hospital indemnity insurance - Travel insurance ## Service Areas - Primary: All 67 counties in Alabama - Also serving: Georgia, Florida, Tennessee, Mississippi, South Carolina, North Carolina, Louisiana, Illinois ## Frequently Asked Questions Q: What is Medicare? A: Medicare is the federal health insurance program for people aged 65 and older, and certain younger people with disabilities or End-Stage Renal Disease (ESRD). It has four parts: Part A (hospital), Part B (medical), Part C (Medicare Advantage), and Part D (prescription drugs). Q: Is Medicare free? A: Medicare Part A is premium-free for most people who paid Medicare taxes for at least 10 years (40 quarters). Part B has a standard monthly premium of $202.90 in 2026. Part D and Medicare Advantage premiums vary by plan. Q: When can I enroll in Medicare? A: Your Initial Enrollment Period (IEP) is a 7-month window starting 3 months before your 65th birthday month. If you have active employer coverage, you get a Special Enrollment Period of 8 months after coverage ends. Q: What is the difference between Medicare Advantage and Original Medicare? A: Original Medicare (Parts A and B) lets you see any Medicare-accepting provider nationwide with no out-of-pocket cap. Medicare Advantage (Part C) uses provider networks, includes drug coverage, and sets an annual out-of-pocket maximum. Q: What happens if I miss Medicare enrollment? A: Missing enrollment triggers permanent lifetime penalties. Part B penalty: 10% premium increase per year delayed. Part D penalty: 1% of $36.78 per month without creditable coverage. Both are permanent. Q: Does Medicare cover dental, vision, and hearing? A: Original Medicare does not cover routine dental, vision, or hearing. Most Medicare Advantage plans include these benefits. Standalone dental and vision plans are also available. Q: What is IRMAA? A: IRMAA (Income-Related Monthly Adjustment Amount) is an additional premium surcharge for higher-income Medicare beneficiaries on Part B and Part D, based on income from two years prior. Q: What is a Medigap plan? A: A Medigap (Medicare Supplement) plan covers out-of-pocket costs not paid by Original Medicare, such as the Part B 20% coinsurance and deductibles. Plans are standardized into lettered types. Plan G is the most popular in 2026. Q: Does Medicare cover long-term care? A: No. Medicare does not cover long-term custodial care. It only covers short-term skilled nursing (up to 100 days) following a qualifying hospital stay. Q: How do I choose the best Medicare plan? A: Compare your doctors, medications, budget, and health needs across Original Medicare with Medigap vs. Medicare Advantage. A licensed independent broker can compare all options at no cost. ## Key Pages - Homepage: https://www.dalton-insuranceagency.com - About: https://www.dalton-insuranceagency.com/about - How We Help: https://www.dalton-insuranceagency.com/how-we-help - Why Choose Us: https://www.dalton-insuranceagency.com/why-choose-us - Service Areas: https://www.dalton-insuranceagency.com/service-areas - Medicare Advantage: https://www.dalton-insuranceagency.com/medicare-advantage - Medicare Supplement: https://www.dalton-insuranceagency.com/medicare-supplement - Part D: https://www.dalton-insuranceagency.com/part-d - Medicare Comparison: https://www.dalton-insuranceagency.com/medicare-comparison - Annual Enrollment: https://www.dalton-insuranceagency.com/annual-enrollment-period - Medicare Guide: https://www.dalton-insuranceagency.com/medicare-guide - Best Medigap Plans Alabama: https://www.dalton-insuranceagency.com/best-medigap-plans-alabama - Medicare FAQ (Top 20 Questions): https://www.dalton-insuranceagency.com/medicare-faq - Medicare Enrollment Checklist: https://www.dalton-insuranceagency.com/medicare-enrollment-checklist - IRMAA Calculator: https://www.dalton-insuranceagency.com/irmaa-calculator - Turning 65 Timeline: https://www.dalton-insuranceagency.com/turning-65-medicare-timeline - Blog: https://www.dalton-insuranceagency.com/blog - Appointments: https://www.dalton-insuranceagency.com/appointments ## Coverage Pages - Dental Insurance: https://www.dalton-insuranceagency.com/coverage/dental-insurance - Cancer Insurance: https://www.dalton-insuranceagency.com/coverage/cancer-insurance - Hospital Insurance: https://www.dalton-insuranceagency.com/coverage/hospital-insurance - Health Insurance: https://www.dalton-insuranceagency.com/coverage/health-insurance - Life Insurance: https://www.dalton-insuranceagency.com/coverage/life-insurance - Annuities: https://www.dalton-insuranceagency.com/coverage/annuities - Travel Insurance: https://www.dalton-insuranceagency.com/coverage/travel-insurance - Long-Term Care: https://www.dalton-insuranceagency.com/long-term-care-insurance ## Learn Medicare - Beginners Guide: https://www.dalton-insuranceagency.com/learn-medicare/beginners-guide - How to Sign Up: https://www.dalton-insuranceagency.com/learn-medicare/how-to-sign-up-for-medicare - Parts of Medicare: https://www.dalton-insuranceagency.com/learn-medicare/parts-of-medicare - Medicare Costs 2026: https://www.dalton-insuranceagency.com/learn-medicare/medicare-costs-2026 - Supplements vs Advantage: https://www.dalton-insuranceagency.com/learn-medicare/supplements-vs-advantage - Best Medicare Supplement Plan: https://www.dalton-insuranceagency.com/learn-medicare/which-medicare-supplement-plan-is-best ## Calculators - IRMAA Calculator: https://www.dalton-insuranceagency.com/irmaa-calculator - Part B Penalty Calculator: https://www.dalton-insuranceagency.com/calculators/part-b-penalty - Part D Penalty Calculator: https://www.dalton-insuranceagency.com/calculators/part-d-penalty - Initial Enrollment Period Calculator: https://www.dalton-insuranceagency.com/calculators/initial-enrollment-period ## Resources - Medicare 2026 Cheat Sheet: https://www.dalton-insuranceagency.com/resources/medicare-2026-cheat-sheet - Medicare Workshop: https://www.dalton-insuranceagency.com/resources/medicare-workshop - Calculators: https://www.dalton-insuranceagency.com/resources/calculators - Social Security Guide: https://www.dalton-insuranceagency.com/resources/social-security-guide - Book: https://www.dalton-insuranceagency.com/resources/book