Frequently Asked Questions

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Great question!  Insurance agents represent the insurance provider that employs them and help sell policies from that single provider. Insurance brokers represent the consumers who use them and can help them shop for policies from multiple providers.  I am an Insurance Broker.

No. You will never pay us for our services. Not before, during or after the sale.  We are compensated by the insurance companies. 

You don't need to talk to anyone, however a Medicare agent or broker can help you narrow down your options (there are MANY) and pick the best one. In our case, we meet with you and learn about your health goals and budget, and will then present options based on your health goals and budget. 

We are located in Oswego, IL but are licensed in all of Illinois, Indiana and Michigan.  For house visits, we typically try to stay within a 25 mile radius but distance is not a factor when we do phone or video calls.

You qualify to enroll in Medicare during a Special Enrollment Period if you delayed enrolling in Part B because you were working and had group health insurance through your employer or your spouse's employer. If you sign up during the Special Enrollment Period, you do not have to pay the Part B premium surcharge. Signing up for Medicare Part B will begin your 6 month open enrollment period for buying a Medigap policy. You can enroll in Part B:

• Any month in which you are still covered under your current enrollment; or
• The 8-month period beginning with either the date your employment ends or the date your group health plan ends, whichever comes first.

You should contact the Social Security Administration to file an application. 

If you are receiving Social Security or Railroad Retirement or disability benefits, you will be automatically enrolled in Medicare Part A and Part B. About 3 months prior to your 65th birthday or 24th month of disability, you will be sent an Initial Enrollment Package that will contain information about Medicare, a questionnaire and your red, white and blue Medicare card. If you want both Medicare Part A (hospital insurance) and Part B (medical insurance), you should sign your Medicare card and keep it in your wallet. If you don't want Part B coverage, you must put an X in the refusal box on the back of the Medicare card form; sign the form and return it with the card to Social Security at the address shown. You will then be sent a new Medicare card showing that you only have Part A.