New to Medicare and turning 65 soon?
Medicare is complicated, but it shouldn't be difficult. Let us help make your decision easy.
When you literally have hundreds of plans to pick from, how do you know which one to choose?
If you’re getting close to your 65th birthday, you know that your struggle and frustration is not because of a lack of information.
Every day you’re getting mail, phone calls, or even email with more and more stuff about Medicare.
What you’re looking for is a way to make sense of it all, and make a decision that is going to be best for you in your unique situation.
So how do you navigate this information overload to pick the plan that’s right for you?
There's a better way...
The agent, or agency, that is best able to help you will have these critical qualities:
A bit later, I’ll explain why each of these is important…
I can help you cut through the confusion to find a plan that fits you best.
I have been helping folks just like you with their Medicare decision since 2012.
I’ve had thousands of conversations with folks coming up on their 65th birthday, and everyone’s situation has been a bit different: health, finances, access to other insurance, preference for being able to see certain doctors. Everyone's needs and wants are unique and individual to them.
Watch the video below to see what a couple of my clients, Jim & Anne, have to say about working with me...
Here is the process that I'll take you through when you're new to Medicare:
Find out what your situation is regarding:
Explain the Medicare basics including:
Give you rates for Medigap, Medicare Advantage, and Prescription Drug Plans available to you in your area based on things like your:
Once you know all of your options including plan prices, features, pros and cons, we work together to figure out the best plan for you based on your:
Throughout the process, we will go at your pace. There will NEVER be any high-pressure sales tactics used, nor will I try to force you into a plan because it represents my best interest. I am licensed with about 20 insurance companies which means I represent your best interest, not that of any one particular company.
Here is what some of my clients have said about working with me in this process...
I was greatly confused when I retired about health care. I retired from a hospital and my health care choices were very limited because they worked with one company for all employees. After retiring I had so many choices with different coverages from different company's I just wanted to run the other way. Chris patiently explained it to me and helped me make the best choice for me at that time in my life.
Linda S, Holly, MI
When I first signed up for Medicare and was looking for supplemental coverage, it was a daunting task researching all the options and choices. In one meeting, Chris explained how the system works, helped my wife and I find coverage that suited our needs, signed us up and submitted all the necessary paperwork. What was taking me weeks to do, Chris did in one meeting.
Tom G, Mooresville, NC
Choosing your Medicare plan should NOT be a one-and-done decision
Your Medicare decision at age 65 is extremely important. But, you’re going to be on Medicare the rest of your life. Choosing the best plan should not be a one-and-done decision, but rather one that involves regular check-ups and reviews.
Things will change over time whether it’s your healthcare needs, your budget, or your plan. Sometimes it can be all three of these at once.
The plan that you pick at age 65 might not be the best plan 10 years, 5 years, or even 1 year later.
So, if you sign up for your plan at 65 with:
This is why it’s extremely important to get the help of an agent who is a Medicare expert who is able to give you unbiased help and ongoing service. If you sign up for a plan directly with an insurance company or through some random telemarketer who calls you, you likely will either be enrolling in a plan that’s not right for you to start with or hurting yourself later when things change.
Here are all the things I offer to anyone new to Medicare at age 65:
"Intro to Medicare” consultation
This consultation is described in the 4-step process I detailed above
Help with signing up for Medicare
I'll show you how to apply for Medicare on the Social Security website if you need to.
Enrollment into your supplemental plan
After we decide what plan is best for you, I'll fill out the application for you and submit it to the insurance company
Lifetime access to my help
As my client, you can contact me anytime for any follow-up questions, concerns, or issues regarding anything related to Medicare or your plan
Annual reviews of your policy
Things can change fast. I'm available to do an annual review of any supplemental plan I help you enroll in
I'm paid a small commission by the insurance company of your plan, so I never charge any fees or markups for my service
Watch the video below to see what a couple of my clients, Jim & Nancy, have to say about working with me...
Are you ready to talk about Medicare? Click the button to book your appointment
Frequently Asked Questions
Why should I use your services instead of signing up directly with the company?
So I get all the things you mentioned above? So what's the catch?
There's no catch! Very, very few agents or agencies charge to help folks with Medicare. We all get a commission from the insurance company whose plan we help you sign up in, so we don't need to charge you.
What should I do if I am (or my spouse is) still working?
Each employer health plan is different. So, it may be best for you to remain on their plan after 65. If you do, it may or may not be best for you to sign up for certain parts of Medicare. Or, it might be best for you to leave that plan and get your own supplemental insurance thru me.
We'll dive in to your situation, look at the different variables, and figure out your best course of action. I'll always recommend doing what's best for you in that situation and not try to sell you something just to make money.
How do I know you're a good fit to be my agent?
Like in lots of other areas of life, sometimes people aren't the right fit. After meeting with me, if you decide that you'd rather sign up another way then that's fine. But, we probably won't know if we can have a good working relationship unless you reach out to me to take that first step.
I feel more comfortable doing this face-to-face. How would this work remotely?
I go thru the entire process over the phone with you. I'll explain everything making sure you understand it all. I can email you illustrations, videos, and product information to help it make sense. I can even share my screen with you for even more transparency, if you like.
I'll fill out the application for the plan we choose electronically on my end, and then your "e-signature" will be required as well. It's a fairly simple process.
How do I know you won't just put me in a plan that pays you the highest commission?
My goal is to keep your rate the lowest for the longest possible period of time. Some companies do pay more commission than others. But my focus is on doing what's best for you. In the end the commissions will even out, you'll be happy, and refer me to your friends.
I already signed up for a plan, so what should I do if I want to work with you?
Whether your plan has started yet or not, you're not under an obligation to keep that plan and often can leave right away even if you've already started paying premiums. We can discuss how to do this when we talk.