I’m independent — not tied to any single carrier, not chasing a sales target, not getting bonuses for pushing a specific plan. Every recommendation is built around what fits your situation.
Most agents represent one or two carriers and recommend whichever pays them best. I'm appointed with the major carriers in your area, so I can compare every plan side-by-side and pick the one that actually fits you.
The carriers compensate me when you enroll, and that compensation is built into the same plan price you'd pay calling the carrier yourself. You get the help — without paying a dime more.
I work for myself. There's nobody behind me with a clipboard pushing me toward a specific plan or chasing a monthly number. That means the recommendation you get is the one I actually believe is right.
Click any card to read what it actually is, who it’s for, and how I help with it.
Most coverage for the least out-of-pocket — for most of the seniors I talk to.
Pairs with Medicare. Picks up where your other coverage stops — at the pharmacy counter.
When you want predictable costs and the freedom to see almost any doctor in the country.
The soup-to-nuts walk-through. The thing nobody else does.
Take care of family. Take care of the bill. No drama.
I'm licensed. I don't push. If you ask, we'll talk. If you don't, we won't.
No mystery. No pressure. No hidden fees. Here’s exactly what happens.
30-minute call, on Teams or by phone. No sales pitch, no commitment. I ask about your situation, your doctors, your budget, your timeline.
I run your specific zip code, your doctors, your medications across every plan I'm appointed for. Usually takes me a day or two.
We sit down — kitchen table or Teams — and I walk you through the top 2–3 plans side-by-side. Premium, out-of-pocket, your doctors, your prescriptions. No jargon.
When you've decided, I walk you through the enrollment form right then — by phone or in person. Coverage starts on your first eligible day. No homework for you.
Claims that get denied. Bills that don't make sense. Doctor changes. New plan year. Adding a family member. Whatever comes up — you call me, not the 800 number.
One vs. the other — not both. They’re structurally different products and the right answer depends on you.
Most seniors aging in. People whose doctors are in-network and want extras like dental/vision included.
Snowbirds and frequent travelers. Folks with significant ongoing care needs who want max freedom.
“For most of the seniors I talk to, Medicare Advantage is the right call. I own one. So does my wife. So do most of my closest friends. But when a Supplement fits — usually for snowbirds or folks with specific care needs — I’ll tell you that too.”
There is no consultation fee. There is no markup on the plan. There is no “hourly rate.” You don’t sign a contract with me.
The carriers pay me a flat amount when you enroll — the same amount whether you came through me, called them direct, or signed up online. That compensation is built into the plan price. You pay the same either way.
What you get for working with me: someone who reads the fine print, picks up the phone when a bill arrives that doesn’t make sense, and walks you through every form.
“I make money on the sale, but I earn that money for many years afterwards — by being there for every question and concern.”— John F. Morrison · 42 years and counting
Carrier list reflects current appointments. Plan availability varies by state and county.
No jargon, no sales pitch. The answers I’d give if you called me on the phone right now.
See the full Resources pageNo pressure. No quotas. I’ll listen, ask a few questions, and if I can help you I’ll tell you how. If I can’t, I’ll tell you that too.
I read every text. Even on Christmas.