Are you turning 65?

If you are age 64, then you are already getting slammed with mail, emails, advertisements, and phone calls regarding your upcoming decision about Medicare insurance.

Why is it important to choose an independent Medicare agent?

An independent agent will show you all your options, unlike a captive agent or TV advertisement, that represents one company.  Our licensed agents have the most up-to-date Medicare insurance information and advice.  A local agent can call, write, or meet with you to review your plan annually.  With an independent agent, you keep all your options open!

What we do for you:

  • We guide you through the Medicare maze by explaining the ways you can get your Medicare coverage: Original Medicare A & B, Part C, and MedSup & Part D.

  • We lay out all your options, giving you pros and cons—we can show you everything available to you.

  • We explain and compare HMOs, PPOs, networks, yearly maximum out-of-pocket costs, drug tiers, and formularies.

  • We listen, review, and guide you through the process so you do not get stuck.

  • We show you the costs and benefits of: Original Medicare only, Supplements, and Advantage Plans.  We compare premiums, out-of-pocket costs, enrollment periods, Rx coverage, ratings, networks, and extra benefits such as dental, vision, and hearing.

  • We assess your specific needs, including healthcare requirements, your doctors, prescriptions, and budget.  Also, we ask about your travel plans, if you plan to keep working, and tell you when and how to apply for your Medicare card.  Remember, who you talk to and what they ask you can determine your level of care.  There are many important things to consider.

  • We will help you understand complex issues of Medicare, including the “donut hole.”  We will compare plans for you, including premiums, deductibles, co-pays, and coverage.  Remember, Medicare limits when you can join, switch, or drop a plan.  We can answer questions about enrollment periods.

  • We walk you through the enrollment process and keep in contact with you after enrollment, answering any questions or concerns you have.

What we do NOT do:

  • We do not charge for our services.

  • We do not limit your options to one company or one type of plan.

  • We do not select your plan.  We educate you, so you are confident in the decision you make.

  • We do not push any one plan over another.  We do not pressure you to make a decision.

  • We do not call or email you without your permission.

  • We do not rush your enrollment.  You decide if you enroll immediately or if you want to review materials and decide at a later date. 

  • We do not forget about you once you enroll. You are given our direct, personal number for continued care and service.