Independent Medicare Agent

You don't have to figure out Medicare alone.

We're here to walk you through your options with clear and honest answers, so you can choose the coverage that best fits your needs, lifestyle, and budget.

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Licensed in 14 states NPN 21680419 No cost to you

Meet Matt.

Personal, straightforward guidance from a licensed broker who takes the time to listen.

Matt Klinger

Founder · Licensed Health and Life Insurance Broker · NPN 21680419

I started my career as an engineer, and what I always enjoyed most was taking something complicated and making it easy to understand. That's the same approach I bring when helping my clients.

I don't work for any one insurance company, I work for you. And I treat every client the way I'd want my own parents to be treated.

Matt Klinger, Founder

We work for you

Independent broker. We compare the plans we represent and help you find coverage that best fits your doctors, prescriptions, budget, and lifestyle.

Made simple

We explain insurance terms in everyday language, so you can understand your choices and make a confident decision.

No cost for our guidance

You don't pay a fee for our help. We're compensated by insurance carriers when you enroll in a plan we represent.

Understanding your options.

We help you sort through Medicare, additional health coverage, life insurance, and annuity options. Explained clearly, with no pressure.

Part C

Medicare Advantage

A private Medicare plan that provides your Part A and Part B benefits. Many include prescription drug coverage plus dental, vision, and hearing.

Medigap

Medicare Supplements

Pairs with Original Medicare to cover the gaps, such as the deductibles, copays, and coinsurance. Also called Medigap.

Part D

Prescription Drug Plans

Standalone prescription drug coverage if your plan doesn't already include it. We compare drug lists to make sure yours are covered.

Three steps, at your pace.

No forms up front. No pressure to enroll. Here's what the first few conversations usually look like.

Talk

We sit down and talk through where you are. In person, by phone, or over video. No paperwork up front, no commitment.

Compare

We walk through your options together. Monthly costs, trade-offs, doctor networks, and anything else that matters to you.

Decide at your pace

You choose when you're ready. If that's today, we handle enrollment. If it's six months from now, that's fine too.

Your top questions answered.

How much does it cost to work with you?

Nothing. Our advisory time is at no cost to you. When you enroll in a plan through us, the insurance carrier compensates us. Our recommendations are based on your situation and what fits your life, not what we're paid.

Are you tied to one insurance company?

No. We're independent and represent multiple carriers. If a plan from a carrier we don't represent is genuinely your best option, we'll tell you and point you toward it.

What happens in a first meeting?

We sit down together, in person, by phone, or over video, and talk through your situation. No paperwork required upfront. You'll leave with a clear understanding of your options, no pressure to enroll.

What if I'm just researching?

That's our favorite kind of conversation. Most people we talk to are months away from a decision. Getting clarity early is better than scrambling in October.

What's the difference between Medicare Advantage and Medigap?

Medicare Advantage is a private plan that provides your Part A and Part B benefits. Many also include prescription drug coverage and extras like dental, vision, and hearing. Medigap works alongside Original Medicare to help cover deductibles, copays, and coinsurance. Each has trade-offs around monthly premium, out-of-pocket costs, network restrictions, and doctor access.

When can I enroll or switch plans?

The two big windows are your Initial Enrollment Period (seven months around your 65th birthday: three months before, the month of, and three months after) and Annual Enrollment (October 15 to December 7 each year). Special Enrollment Periods cover life events like losing employer coverage or moving.

Do you help with life insurance too?

Yes. We're independent for whole life, term life, and burial coverage. We look at your family situation, budget, and how long you need coverage, then help you compare options that fit.

You don't have to figure out Medicare alone.

Meet Matt.

Understanding your options.

Real conversations. Real outcomes.

Three steps, at your pace.

Your top questions answered.

We're here when you're ready.