Our Story
Medicare Guidance Built on Trust, Not Transactions.
My name is Wilacynt Stover and I started The Golden Years because too many seniors were enrolling in the wrong plan — not from lack of trying, but from lack of clear, unbiased guidance. As your experienced local Medicare agent, I am here to guide you every step of the way by educating, empowering and serving you with clarity and care.
Meet Your Advisor
A Trusted Guide Through Every Medicare Decision
With years of hands-on experience helping seniors navigate the complexities of Medicare, I bring clarity, compassion, and expertise to every conversation. My mission is simple: make sure you never feel lost or overwhelmed when it comes to your healthcare coverage.
Whether you're enrolling for the first time, comparing plan options, or facing a coverage gap, I'm here to walk you through every step — at no cost to you.
Your Medicare Guidance Advisor
Licensed Specialist · AHIP Certified
Why We Exist
Our Mission
Medicare is one of the most important financial decisions a senior will ever make — yet most people navigate it alone, armed with a stack of mailers and a confusing government website. I believe every person deserves a knowledgeable, patient guide who cares and puts their interests first. My goal is to simplify the Medicare process so you can make confident decisions about your healthcare coverage and get the most out of your Medicare benefits.
The Golden Years was founded to be that guide. I am an independent, licensed Medicare insurance agent. I am not a call center. I do not have sales quotas and I am compensated by insurance carriers — never by you — which means my only incentive is finding you the right plan.
Independence
I represent major carriers, so my recommendations are based on your needs — not a preferred vendor relationship.
Empathy
I take the time to understand your health, your doctors, your prescriptions, and your budget before making any recommendation.
Education
I explain every option in plain language. No jargon, no pressure. You make the final decision — fully informed.
Ongoing Support
Our relationship doesn't end at enrollment. I review your coverage every year during Annual Election Period to make sure it still fits.
Our Qualifications
Licensed, Certified, and Accountable
The Golden Years meets rigorous licensing and certification requirements — and maintain them every year.
State-Licensed Insurance Agents
I hold an active and good standing license in the state of NC where I operate (renewed annually).
AHIP Medicare Certified
The America's Health Insurance Plans (AHIP) Medicare certification is completed each year — the industry standard for Medicare knowledge.
Carrier-Appointed
I am appointed by several major Medicare carriers, giving us access to the full range of plans available in your area.
CMS Compliant
All marketing and enrollment activities comply with Centers for Medicare & Medicaid Services (CMS) regulations and guidelines.
Legal & Regulatory
Compliance & Disclosures
We are not affiliated with the U.S. government or Medicare.
The Golden Years is an independent insurance agency. We are not connected with or endorsed by the federal Medicare program or any government agency.
No cost to you.
Our services are completely free to Medicare beneficiaries. Licensed agents are compensated by insurance carriers when you enroll in a plan. You never pay us directly.
This is a solicitation for insurance.
By contacting us or submitting a form on this site, you agree to be contacted by a licensed Medicare insurance agent. You may receive a call, email, or text.
Plan availability varies by location.
Medicare Advantage, Part D, and Medigap plans vary by county and zip code. Not all plans are available in all areas. Benefits, premiums, and cost-sharing may change each year.
Information is for educational purposes.
Content on this website is intended to be educational and informational. It does not constitute legal, financial, or medical advice. Always consult a licensed professional for guidance specific to your situation.
Ready to Find the Right Plan?
A licensed agent is ready to review your situation and compare every option available in your area — at no cost to you.