Updated November 6, 2026 by Keith Guirao
Savvy Senior Central explains how Medicare, health coverage, housing costs, and everyday money topics for older adults work, so readers can ask better questions. I write and edit the guides. I start from official sources. Advertisers do not write the articles, and they cannot pay to change a fact.
This page is the rule I use when I sit down to write. The About page tells the longer story of why the site exists.
What these guides are for
The goal is kitchen-table help in writing. A guide should tell you what a benefit is, what a number means, and which official page to check next. It should not tell you which plan to buy.
I explain. I do not enroll anyone in Medicare. I do not rank “best” carriers from an affiliate spreadsheet. I do not pretend to be Medicare, CMS, Social Security, or a SHIP counselor.
If you need advice about your own situation, start at Medicare.gov or your state SHIP program, or talk with a licensed professional.
Who writes and reviews the guides
Every guide is written and edited by me, Keith Guirao. I am the founder of Maven Media, LLC and the founder and editor of Savvy Senior Central. There is no anonymous team of advocates. My name is on the byline so you can see who is responsible.
I have spent about 18 years inside consumer marketing and lead generation in insurance, finance, credit, dental, and related categories. That is operator experience. I built and ran campaigns and forms that send people into those products. It is not a counseling credential.
I am not a licensed insurance agent, not a Medicare counselor, not a SHIP counselor, not a physician, not a dentist, not an attorney, not an actuary, and not a financial advisor. Eighteen years in the market does not turn this site into professional advice.
How a guide is built
I start with primary sources. On this site that means pages such as Medicare.gov, CMS, the Social Security Administration, the U.S. Census Bureau, ACL, HUD, and USDA, plus named non-commercial research. I link those sources so you can open them yourself.
When a figure is an estimate, or when a rule varies by state or by plan year, the article says so. When CMS or SSA publish new numbers, I update the dates and the plan-year figures.
I do not cite insurance marketplaces as if they were data sources. I do not hide advertising or affiliate relationships when they exist. Those relationships are described in the Advertiser Disclosure.
Each published guide on this site includes a byline, an educational disclaimer, and a Sources section. That stack is part of how the page is built, not an extra badge.
What money cannot change
Advertisers and affiliate partners do not write, review, or approve editorial articles. Payment cannot change a fact, a source, or a conclusion. Payment may affect which products appear on the site and where they appear. The Advertiser Disclosure explains that in more detail.
Labeled marketplace placements, when they exist, sit after the last decision section and before the FAQ. Until a licensed partner link is live, that slot stays empty.
Corrections
If you spot an error, use the Contact page. Send the page link and the exact line you think is wrong. I check it against the source. If I got it wrong, I fix the page and update the date on the article.
Please do not send Social Security numbers, account numbers, or medical records. For privacy requests, use the same Contact page and see the Privacy Policy. The Terms of Service cover copyright notices.
Frequently asked questions
Is this site affiliated with Medicare or the federal government?
No. Savvy Senior Central is an independent publication of Maven Media, LLC. I am not affiliated with CMS, Medicare.gov, the Social Security Administration, or any insurance company. Always verify current rules on the official sites linked in each article.
Do you tell readers which Medicare plan to pick?
No. The guides explain how the parts of Medicare work, what a letter may mean, and which questions to ask next. Plan rules, premiums, and eligibility change by year, by state, and by person. I cannot and do not enroll anyone or recommend a specific Advantage or Medigap plan.
Where do the numbers in the guides come from?
They come from primary sources such as Medicare.gov, CMS, SSA, Census, ACL, HUD, and USDA, and from named research linked in the Sources section of each article. If a number is an estimate or varies by state, the article says so. Check the date on the article and the live source before you act.
What should I do if I think a guide is outdated or wrong?
Email us through the Contact page with the URL and the line in question. I compare it with the current official source. If the page is wrong, I correct it and change the updated date so later readers can see that the fix was made.
Educational content. This page is not legal advice and not financial advice. The guides are for learning. They are not Medicare advice, insurance advice, or a substitute for a licensed professional.
Sources
About the author
Keith Guirao’s photograph and background are on the About page. He founded Maven Media, LLC and writes and edits the guides on Savvy Senior Central from official sources. He is not a licensed insurance agent, Medicare counselor, SHIP counselor, dentist, attorney, or financial advisor. Mailing address: Maven Media, LLC, 400 Tenafly Rd #541, Tenafly, NJ 07670.