Our brokers work with you to find the best insurance plans! Explore Our Services
Our brokers work with you to find the best insurance plans! Explore Our Services
Feeling overwhelmed by all the Medicare options and marketing noise? Our experienced brokers make Original Medicare, Medicare Supplement, Medigap, Medicare Advantage, and Prescription Drug Plans simple.
Claiming Social Security is complex, with thousands of rules and strategies. As Registered Social Security Analysts®, we use RSSA Roadmap® software to help you navigate your best claiming options with confidence.
A successful retirement strategy starts with clear goals and a plan. Our independent brokers will analyze your current plan, and help define clear goals to protect, grow, and preserve your assets for guaranteed income.
Life insurance remains a critical part of family financial plans. Life insurance plays a vital role in protecting and supporting your family, securing your legacy and supporting smart retirement planning.
We offer Comprehensive Medicare, Social Security, Retirement Savings & Income, and Life Insurance services tailored to meet your needs.
Explore our Frequently Asked Medicare Questions to find clear, helpful answers on Medicare plans, coverage options, and enrollment, guiding you to make informed decisions with confidence.
You will avoid Late Enrollment Penalties, if you enroll during the Initial Enrollment Period three months before, the month of, and three months after reaching age 65.
You should enroll in Part A (no premium) and you will avoid a Late Enrollment Penalty as long as your company plan is deemed to be Credible Coverage (Coverage comparable to Medicare).
For fully eligible enrollees, Medicare Part A is a zero dollar premium benefit. For calendar year 2025, the Part B premium is $185 per month. This premium is adjusted each year, announced in October, and becomes effective the following January 1st. Individuals not fully qualified may purchase Part A depending on their years of employment.
Yes. Medicare Advantage Plans are specific to your residence. If you move out of your Medicare Advantage plan's service area, you have a Special Enrollment Period to change plans. This period begins either the month before you move, or the month you notify your plan of your move and lasts for two full months after that.
Individuals over age 18 receiving SSDI will qualify for Original Medicare in the twenty-fifth month of their disability. Medicare Advantage Prescriptions Drug Plans, called Dual Special Need Plans, that add Supplemental Benefits, are available in some states.
In 2025, Medicare Part B premiums for high-income individuals, those subject to IRMAA (Income-Related Monthly Adjustment Amount), will range from $259 to $628.90 per month. This is in addition to the standard Part B premium of $185 per month. The IRMAA is determined by income reported on 2023 tax returns and applies to individuals with incomes above $106,000 and couples filing jointly with incomes above $212,000.
Yes, a spouse who has never worked can be eligible for Medicare if the working spouse has met the eligibility requirements of having worked for at least 10 years (40 quarters) and paid Medicare taxes.
You can contact the National Social Security Administration, your local Social Security Administration Office, or go to SSA.gov to enroll.
One of our brokers will be happy to assist you with the process.
One of our brokers will be happy to review the plans available to you so you can choose the plan that best suits your needs.
Personalized insurance solutions for every stage of life.
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We do not offer every plan available in your area. Currently I represent four organizations which offer thirty-five products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
