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Turning 65 or navigating Medicare for the first time? Already on Medicare but unsure if you have the right plan? We help Southern Utah residents understand Medicare Advantage, Medicare Supplement, Part D drug plans, and more — at no cost to you.
Appointed with carriers including:
We also help individuals and families find ACA Marketplace health plans, dental and vision coverage, and supplemental protection. As an independent agent, we compare plans across multiple carriers to find what fits your health needs and your budget.
In smaller communities like those in Iron County, provider networks can be narrower than in larger metro areas, and some residents travel for specialty care. We factor that into every plan review, so you're not surprised by a network gap down the road.
All-in-one plans (Part C) that bundle hospital, medical, and often drug coverage. Many include dental, vision, and hearing benefits, and some have $0 monthly premiums depending on where you live.
Read the Medicare Advantage guide →Also called Medigap — these plans fill the gaps Original Medicare leaves behind, covering copays, coinsurance, and deductibles for predictable costs.
Read the Medicare Supplement guide →Prescription drug coverage from private insurers, either on its own or built into a Medicare Advantage plan. We compare formularies and pharmacies against your medications.
Read the Part D guide →Your 7-month Initial Enrollment Period, the parts of Medicare, and how to avoid late-enrollment penalties, step by step.
Read the Turning 65 guide →Under 65 or self-employed? We help you find the right Marketplace health plan and see which subsidies and tax credits you may qualify for.
Book a Consultation →Standalone dental and vision coverage for individuals and families. Protect your smile and your sight without breaking your budget.
Book a Consultation →Between jobs, waiting for Medicare, or in a coverage gap? Short-term medical plans provide temporary coverage. They are not ACA-compliant, may exclude pre-existing conditions and many services, and are not a replacement for Marketplace or Medicare coverage, so we explain the limits first.
Book a Consultation →Our Medicare consultations are completely free. We'll walk you through your options, compare plans side by side, and help you enroll — no pressure, no obligation.
Book a Free Consultation →Preventive care is built into both Medicare and ACA Marketplace plans to help you stay healthy and catch issues early. Many plans cover certain preventive services, such as annual wellness visits, screenings, and many vaccines, at no extra cost. Covered services vary by plan.
Next, we help you choose the plan that fits your healthcare needs — doctor visits, hospital care, prescriptions, and copays. Some plans favor lower premiums; others favor predictable costs. We help you find the right balance.
Many people add dental, vision, accident, or hospital indemnity coverage to help pay for costs health insurance doesn't fully cover — an extra layer of protection and peace of mind.
Your Initial Enrollment Period starts 3 months before the month you turn 65 and ends 3 months after — a 7-month window total. There's also an Annual Enrollment Period each fall (October 15 – December 7) to make changes, plus special enrollment periods for certain life events.
Medicare Advantage (Part C) bundles your hospital, medical, and often drug coverage into one plan, usually through a network. Medicare Supplement (Medigap) works alongside Original Medicare to cover the gaps — copays, coinsurance, and deductibles — and typically offers more flexibility to see any provider that accepts Medicare.
No. Our consultations are free, and agent commissions are paid by the insurance carriers — not by you. You pay the same premium whether you enroll directly or through an agent, but you get personal guidance either way.
Yes. Depending on the type of plan and your circumstances, you may be able to make changes during the Annual Enrollment Period, a Special Enrollment Period, or the Medicare Advantage Open Enrollment Period. We'll help you figure out your options when the time comes.
Share your name and number and a licensed local agent will follow up, usually within one business day.
Get a free, no-obligation consultation. No pressure. No jargon. Just honest guidance from a local expert.