To speak with a licensed agent, call (918) 727-3115 (TTY 711 M-F, 9am-5pm) or email

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!

      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Get Free, Friendly, and
      Local Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!

      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…

      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Medicare’s “Donut Hole”

      This situation creates a coverage gap for some beneficiaries as they reach their annual coverage limits and have to pay more out-of-pocket.

      Special Needs Plans

      SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Frequently Asked Questions

      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?


      Here’s what our clients say about our service…

      Karla came to my home and answered all my questions very helpful kind personable. I will refer anybody that has questions about Medicare or any Advantage Plan to her.

      Pat W.

      We sat with Karla today. She was knowledgeable, patient and went above and beyond for us. I am so happy to have a representative to go to for any questions we have.

      Kandi C.

      Thank you, Karla Navas, for helping us get signed up with Medicare. You were great to work with. Your help in explaining our options, your knowledge, professionalism and patience was very much appreciated. I will not hesitate to recommend you to my friends.

      Tony S.

      A friend of ours recommended agent Karla Navas to us, when it was time for us to select a Medicare plan. We have been nothing but pleased with her. She is diligent, helpful, respectful, knowledgeable and very pleasant to talk to. You couldn’t ask for more!

      Becky S.

      Contact the agents! Karla Miller and Janet Phipps are excellent agents! They both came to the same assistance we needed. I appreciate that both of them looked up our meds, our current insurance and came to the same plan. There was no hard sell. Their goal is to help you make best decision for you. We will be talking with them again next…

      Read More

      Pamela E.

      Contact the agents! Karla Miller and Janet Phipps are excellent agents! They both came to the same assistance we needed. I appreciate that both of them looked up our meds, our current insurance and came to the same plan. There was no hard sell. Their goal is to help you make best decision for you. We will be talking with them again next year! Trustworthy, intelligent and pleasant.

      Pamela E.

      Karla Navas did an amazing job helping me get extra coverage for both my parents. She was very polite and professional, and I can’t thank her enough for all she has done.

      Heather S.

      Karla Navas is the best Medicare advisor anyone could ever have. Very knowledgeable and works for you to get the best Medicare package that you can afford. She is the one you want to have helping you with Medicare.

      Janice S.

      Karla is awesome! She explained everything and helped us choose the best plan to fit our needs. Thank you, Karla!

      Heidi C.

      Articles and Information

      How to Reduce Your Odds of Liver Disease as You Age

      Guarding your liver is a fundamental aspect of maintaining a healthy lifestyle and living a longer, healthier life. Here’s what you should know…

      Read More

      10 Exercise Tips for Seniors: Enhancing Health and Vitality

      Here are 10 essential tips for seniors looking to embark on a fitness journey, tailored to ensure safety, enjoyment, and lasting health benefits.

      Read More

      Turning 65 Soon? Here are a Few Things to Know About Medicare Enrollment

      Reaching the age of 65 comes with the significant milestone of Medicare eligibility, marking a transition in healthcare coverage. Here are key aspects to ponder during this pivotal time.

      Read More

      Exploring Alternative Therapies for Pain Management

      As we age, exploring alternative therapies for pain management can offer new avenues for relief and improve your quality of life without relying solely on medication.

      Read More

      Planning for Healthcare Costs in Retirement

      As you transition into retirement, it’s essential to consider how you will cover medical expenses, as healthcare costs tend to increase with age.

      Read More

      The Role of Telemedicine in Your Healthcare Plan

      Telemedicine is now included in most healthcare plans, but you should discuss this option with your licensed insurance agent if it is important to you.

      Read More

      Understanding Your Long-Term Care Options

      Understanding these long-term care options can help you make informed decisions about the best course of action for you or your loved ones.

      Read More

      How Meditation Can Enhance Your Sleep and Mental Well-Being

      Even just a few minutes of meditation each day can yield significant benefits for your sleep and mental well-being.

      Read More

      10 Things that are Included with Original Medicare

      Medicare offers a variety of preventive services to help you maintain your health and well-being.  Here are 10 things you may be able to access at no cost through Medicare.

      Read More

      Read Additional Articles

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