Educational content only. Not insurance advice. Not affiliated with the U.S. government, CMS, or Medicare. Keith Guirao is not a licensed insurance agent, not a Medicare counselor, not a dentist, not an attorney, and not a SHIP counselor.
Why this site exists
Keith Guirao’s grandmother lived to 87. She passed in 2018. On limited money she used SNAP and any Medicare benefits she could, and even in her 70s and 80s she still worked where she could find work so she could contribute her share. He sat with her at the kitchen table and went through the mail: what a plan actually paid, what the letter from Medicare meant, and which phone number was worth calling.
Her memory lives on through this website. Savvy Senior Central puts that same kitchen-table help in writing for families who do not have someone in the next chair. The guides start from what coverage is (Part A, Part B, Part C, Part D, what a final-expense policy pays, what a senior apartment fee covers) instead of from a ranked list of carriers. The tone is the one he used with her: plain, specific, and honest about what he does not know.
The context these guides sit in
A few Tier-1 figures that frame why clear Medicare and benefits writing matters. Educational only. Always verify current numbers at the source.
-
64.6M
Americans age 65+
U.S. residents 65 and older as of July 1, 2025.
U.S. Census Bureau, Vintage 2025 -
69.4M
on Medicare (Parts A and/or B)
Average monthly enrollment, calendar year 2025.
CMS Fast Facts 2026 -
~20%
of SNAP participants are 60+
Share of SNAP participants age 60 and older, fiscal year 2024.
USDA ERS (FY 2024)
Who writes it
Every guide is written and edited by Keith Guirao, founder of Maven Media, LLC and founder and editor of Savvy Senior Central. There is no anonymous team of advocates. His name and photograph are on the site so you can see who is responsible.
He has spent about 18 years inside consumer marketing and lead generation in insurance, finance, credit, dental, and related categories. That is operator experience. He built and ran campaigns, forms, and marketplaces that send people into those products. He has watched how the enrollment form is written to skip the decision. He is not an actuary, not a licensed insurance agent, not a doctor, not a financial advisor, and not a State Health Insurance Assistance Program (SHIP) counselor. Eighteen years in the market is not a counseling credential.
Educational content is not professional advice. For a personal Medicare question, start at Medicare.gov or your state SHIP program.
How guides are built
What we use
- Primary sources first: Medicare.gov, CMS, SSA, Census, ACL, HUD, USDA, and named non-commercial research.
- Plain language, decision structure, and source links you can check.
- Dates and plan-year figures updated when CMS or SSA publish new numbers.
- When something is unknown or varies by state, the article says so.
What we never do
- Pretend to be Medicare, CMS, Social Security, or a SHIP counselor.
- Sell you a plan on this site.
- Rank “best” carriers from an affiliate spreadsheet.
- Cite insurance marketplaces as data sources.
- Hide advertising or affiliate relationships when they exist.
- Invent credentials Keith does not hold.
Labeled marketplace placements, when they exist, sit after the last decision section and before FAQ. Until a licensed partner link is live, that slot stays empty. Advertising, including Google AdSense, may appear on pages. Ads do not write the guides.
How to use these guides
- Read the guide for the decision you are facing.
- Check the Sources list at the bottom of the article.
- Confirm figures on Medicare.gov, SSA.gov, or your plan documents.
- For a personal enrollment or coverage question, call 1-800-MEDICARE, your plan, or your state SHIP counselor.
Use these pages as a map, not as advice for your situation. Start with the Guides hub, or go straight to topics like Medicare, enrollment, housing, and final expense from the homepage.
Contact
Questions about the site, corrections, or editorial notes: use the Contact form, or reveal the editorial address below.
Public contact:
Publisher
Maven Media, LLC
400 Tenafly Road, #541
Tenafly, New Jersey 07670
Questions? Contact us
Use the Contact page or email .
Maven Media, LLC, 400 Tenafly Rd #541, Tenafly, NJ 07670