Disclosures

Last updated October 11, 2026

AI disclosure

Margaret, the presenter in our videos and on this site, is an AI presenter. Her face and voice are generated. She is not a real person. A person at HTELLE LLC reviews every video and guide before it is published.

Affiliate disclosure

Some links may pay us a commission. That never changes what we recommend. When there is a free option, we show it first. We do not take money from Medicare plans or insurance agents.

Not affiliated with any government agency

Ask Margaret is not affiliated with, endorsed by, or approved by the Social Security Administration (SSA), the Centers for Medicare & Medicaid Services (CMS), Medicare, the Internal Revenue Service (IRS), or any other federal, state or local government agency. We link to official sources. Official forms and booklets are free from the agency that issues them. You should never pay to get a government form.

General education only

Everything we publish is general education. It is not financial, tax, legal, insurance or medical advice. Your situation may be different. For free help with Medicare, call 1-800-MEDICARE (1-800-633-4227) or your State Health Insurance Assistance Program at shiphelp.org. Check your own Social Security record at ssa.gov/myaccount.

We do not sell insurance

We do not sell, market or enroll anyone in insurance or Medicare plans, and we are not paid by plans, insurers or tax preparers to recommend them.