We empower our clients to make informed decisions on their insurance needs. The foundation of our business is relationship and trust. This lets us understand you – your health needs, your financial situation, your goals. Once we understand who you are and what you need, we can find insurance options that will work for you, and guide you in making the best choice.
Why call a local Medicae broker?
Doctor + drug fit (real life, not theory): We verify networks, preferred pharmacies, prior auth quirks, and transition fills.
Local carrier nuance: Networks, referral rules, and county-by-county idiosyncrasies are where people get burned. We already know those landmines.
“Total cost” coaching: Premiums are only one piece. We optimize the combo of deductible, MOOP, tiering, and preferred pharmacies.
Right-time enrollment: We screen for SEPs (moves, LIS/Medicaid changes, 5-Star windows) so they don’t wait a full year to fix a mistake.
Annual tune-up: Formularies, tiers, and networks shift each year. We re-check and adjust—something most people won’t do solo.
Social Security tie-ins: We educate on Medicare timing with SSA, IRMAA basics, and how to request an IRMAA reconsideration when life events apply (we’re not a tax advisor, but we point you to the right steps and documents).