Thank you for visiting ClearGuide. I will be away June 10–22 and will respond to routine inquiries after June 23. For urgent coverage or benefits concerns, please email or text me.
Medicare advisor & insurance broker serving Greater Philadelphia and Central/Southern NJ
Medicare Gives You Choices.
ClearGuide Helps You Decide Which Ones Are Right for You.
Licensed in Pennsylvania and New Jersey. Clients welcome statewide.
How ClearGuide Simplifies Medicare
20+ years of health benefits experience
The right questions get asked upfront, and complexity gets translated into a clear path forward.
Plain-language explanations of how Medicare works
Coverage decisions feel manageable now and as your health needs change over time.
Support across all enrollment periods
Deadlines are met, late penalties are avoided, and changes in life circumstances are handled correctly.
Personalized quotes from multiple carriers
We start with your doctors, prescriptions, and budget — then compare plans to find options that fit.
Start-to-finish enrollment assistance
No paperwork confusion, no wondering whether the application went through correctly.
Ongoing help with coverage and benefits questions
A trusted point of contact for claims questions, plan changes, and annual reviews — not just a one-time sale.
Screening for additional assistance programs
Eligible clients learn about Extra Help, Medicare Savings Programs, and other support that reduces out-of-pocket costs.
Independent and carrier-neutral
No quota to fill, no single carrier to favor. Every recommendation is based on your situation alone.
ClearGuide's services are provided at no cost to you
ClearGuide follows a simple, transparent process tailored to your needs.
Our Process Supports You Before,
During, and After Enrollment
ClearGuide's services are always at no cost to you. We're compensated by the insurance carriers when you enroll, never by you.
Conversation
Appointment
Options
Support
Introductory Conversation
A focused 15-30 minute call or meeting. I'll guide our conversation, asking the questions that matter for your situation and answering yours. You'll leave knowing where you stand and what's next.
Your Scope of Appointment
Medicare requires a signed Scope of Appointment (SOA) before we review specific plans. See more details below.
Comparing Your Options
I do the research and bring you options that match your health and financial priorities, weighing not just costs and coverage but quality star ratings, member complaints, and premium history. We compare your top options side by side, and I help you choose what's right for you.
Getting Enrolled
When you've made your choice, I guide you through the application from start to finish. I handle the paperwork, confirm your start date, and make sure you understand what your new plan covers.
Year-Round Support
My work doesn't end at enrollment. I'm here all year for billing, network changes, or anything else that comes up. Each fall, we review your plan to confirm it still fits, or look at other options if your needs have changed.
What is an SOA?
A Scope of Appointment (SOA) is a short form that lists the topics you've agreed to discuss with me. Medicare requires it before we can talk about specific Medicare Advantage or prescription drug plans. It protects you by keeping our conversation focused on what you want to cover and nothing else. I can text or email it to you, and it takes about a minute to sign electronically.
Medicare also requires a 48-hour* wait between signing your SOA and reviewing plan quotes.
A note on Medigap: discussing Medicare Supplement (Medigap) plans does not require an SOA. However, because Medigap plans do not include Part D prescription drug coverage, Part D is typically part of the Medigap conversation, and an SOA is required for that portion.
*This Medicare requirement is changing as of October 1, 2026, after which the wait no longer applies.
ClearGuide's services are always at no cost to you. We're compensated by the insurance carriers when you enroll, never by you.
Introductory Conversation
A focused 15-30 minute call or meeting. I'll guide our conversation, asking the questions that matter for your situation and answering yours. You'll leave knowing where you stand and what's next.
Your Scope of Appointment
Medicare requires a signed Scope of Appointment (SOA) before we review specific plans. See more details below.
Comparing Your Options
I do the research and bring you options that match your health and financial priorities, weighing not just costs and coverage but quality star ratings, member complaints, and premium history over time. We compare your top options side by side, and I help you choose what's right for you.
Getting Enrolled
When you've made your choice, I guide you through the application from start to finish. I handle the paperwork, confirm your start date, and make sure you understand what your new plan covers.
Year-Round Support
My work doesn't end at enrollment. I'm here all year for billing, network changes, or anything else that comes up. Each fall, we review your plan to confirm it still fits, or look at other options if your needs have changed.
What is an SOA?
A Scope of Appointment (SOA) is a short form that lists the topics you've agreed to discuss with me. Medicare requires it before we can talk about specific Medicare Advantage or prescription drug plans. It protects you by keeping our conversation focused on what you want to cover and nothing else. I can text or email it to you, and it takes about a minute to sign electronically.
Medicare also requires a 48-hour* wait between signing your SOA and reviewing plan quotes.
A note on Medigap: discussing Medicare Supplement (Medigap) plans does not require an SOA. However, because Medigap plans do not include Part D prescription drug coverage, Part D is typically part of the Medigap conversation, and an SOA is required for that portion.
*This Medicare requirement is changing as of October 1, 2026, after which the wait no longer applies.
Insurance Decisions Can Be Overwhelming.
Two Decades in Employee Benefits.
Now Working for You.
Paula Segal, MHA, is a Medicare advisor, independent insurance broker, and founder of ClearGuide Advisors, serving individuals and families in Pennsylvania and New Jersey. She brings over 20 years of experience, from customer care to the C-suite, reducing costs, and guiding clients through complex health plan decisions. Working with Paula means having a skilled benefits professional in your corner who understands the healthcare system and will focus on your needs.
- Independent Guidance: Client-focused Medicare support across NJ and PA.
- Clear Explanations: Understand your options with no jargon or sales pressure.
- Ongoing Support: Year-round help with Medicare questions, claims issues, and annual plan reviews.
- Comprehensive Coverage Options: Additional coverage options to support each client's health care and financial goals including dental, vision, hearing, hospital indemnity, cancer, heart attack, and stroke, long-term care, and life insurance.
Background
Credentials & Licensing
Education & Certification
Insurance Licenses
Professional Memberships
Medicare Plans and Additional Coverage Options
- Medicare Supplements
Fill gaps in Original Medicare coverage and reduce out-of-pocket costs.Â
- Medicare Advantage Plans
Explore comprehensive plans with extra benefits like vision, and wellness.
- Part D Prescription Plans
Get the right prescription drug coverage for your medications and budget.
- Hospital Indemnity Insurance
Coverage to help with hospital stays, surgeries, and medical emergencies.
- Dental, Hearing & Vision Insurance
Access preventive and essential care for your teeth and eyes.
Making Sense of the Medicare Alphabet
ClearGuide informs you about key coverage considerations helping you prioritize your health and financial well-being.
Hospital Insurance
• The 2026 Part A deductible is $1,736
• After the deductible, you may have additional costs
Medicare Part B
• Higher income beneficiaries may pay an additional monthly surcharge
• 2026 deductible is $283
• After the deductible, you generally pay 20% coinsurance for covered services
Medicare Advantage Plans
• MUST cover all medically necessary services covered under Original Medicare
• May offer additional benefits such as dental, vision, hearing, and wellness
• Often use provider networks; out-of-network care may restricted or more expensive
• Coverage rules may differ from Original Medicare and some services may require prior approval
• Monthly premiums, care costs, benefits, provider networks, and annual out-of-pocket maximums vary by plan
Medical Insurance
• Higher income beneficiaries may pay an additional monthly surcharge
• 2026 deductible is $283
• After the deductible, you generally pay 20% coinsurance for covered services
Prescription Drug Insurance
• Most plans have a monthly premium
• Higher-income beneficiaries may pay an additional monthly surcharge
• Deductibles, coinsurance, and copays may apply, depending on the plan and medications
• In 2026, your maximum out-of-pocket cost for covered prescriptions is $2,100
• Cost-sharing and which medications are covered may vary by plan
Medicare Knowledge. Plain Language. Personal Attention.
ClearGuide Advisors combines deep health benefits experience with patient, human guidance. We focus on education and long-term support, helping to simplify the process and take the stress out of Medicare coverage decisions.
A Partner You Can Rely On
20+ years of health benefits and consulting experience.
Clarity in Every Step
Plain-language guidance for informed decision-making.
Personalized Support
One-on-one support from initial consultation and quotes through enrollment, annual reviews, and ongoing benefits and claims questions throughout the year.
What It's Like to Work With ClearGuide
Frequently Asked Questions
As an independent broker, I work with multiple insurance companies rather than representing just one. That means you get objective comparisons across plans and carriers, focused entirely on what works best for you.
Nothing. My services are provided at no cost to you. I am compensated by the insurance carriers when you enroll in a plan.
More than most people expect. Navigating Medicare on your own means sorting through plan comparisons, enrollment rules, and coverage gaps without a roadmap. I do that work for you, reducing the stress and overwhelm that comes with decisions that directly affect your health and finances.
I primarily serve Bucks, Chester, Delaware, Montgomery, and Philadelphia Counties in Pennsylvania, and Burlington, Camden, Gloucester, Mercer, Ocean, and Monmouth Counties in New Jersey. I am licensed in both states and welcome clients from across PA and NJ.
Medicare has its own rules, timelines, and enrollment windows that many people are not aware of, and the consequences of making the wrong decision can follow you for life. During my years in member advocacy, I found myself genuinely intrigued by Medicare's complexity. I wanted to solve the puzzle and give clients answers and a path forward that met their specific needs.
Over the years I've helped clients, family, and friends navigate insurance issues and have seen the frustration of unnecessary hurdles, illogical denials, and the very real fear that comes with needing medical care. I started ClearGuide Advisors because I get real satisfaction from simplifying what feels overwhelming and giving people the space to focus on their health rather than insurance worries.
Please submit your consultation request as usual. I’ll follow up while I’m away to coordinate a consultation time that works well for you, and we’ll meet after I return.
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