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My name is Mike Combe.
I am an independent insurance agent & specialize in Medicare insurance.

There are two main topics that brought you to my website:
  • You're turning 65 soon
  • You're over 65 & interested in saving money

For our turning 65 friends this website will help you understand how Medicare works and what your options are.

For those folks who are interested in saving money we can show you how to Switch & Save and get the same or better coverage than you currently have.

One very nice feature about Medicare is that even if you're not happy with your plan or actual out-of-pocket expenses is that you can change your plan every year, between October 15th through December 7th.

I'm not with a big box insurance sales force, but I do have access to all the big name insurance company policies that you need. My service is completely free and you'll get the exact same policy that you would get if you went to those big box websites or big box phone call centers or big insurance companies.

The difference is you get to speak one-on-one with a little guy who can help you and cares that you get the best affordable coverage for your budget.

To make things easy I created "Medicare on a Postcard" to explain your options for Medicare coverage.

So let's get started...

"Medicare on a Postcard"
Medicare - Select from 3 options
Medicare - What you should know
When you turn age 65 you have one shot to select coverage with guaranteed acceptance and no medical exam. After that, you will be subject to medical exams, your medical history and medical underwriting.
These are things that people say about the Medicare Advantage plans;
  • It's a one year contract. I cannot change my plan.
  • Doctors can leave my plan anytime. I cannot change my plan.
  • Hospitals can leave my plan anytime. I cannot change my plan.
  • Insurance companies can change plans anytime. I cannot change my plan.
  • I'm still paying the Medicare Part B monthly premium.
  • Medicare Advantage premiums range from $0 to $200/mo.
  • It feels like I'm getting nickel & dime charges all year long.
  • I have co-pays & deductibles.
  • Every January the annual deductible starts over.
  • Benefits can change every year.
  • I must use doctors & hospitals in my network.
  • My network is local or regional. I may not have any coverage if I go to another state.
  • In 2016 the maximum out-of-pocket expenses were $3,400.
  • In 2017 the maximum out-of-pocket expenses were $6,700.
  • The maximum out-of-pocket expenses are expected to go up each year.
  • In 2019 there are over 2,317 Advantage plans to choose from.
  • It seems like good, cheap insurance ... until I use it.
  • I can only change plans between October 15th and December 7th.
  • I can only disenroll between January 1st and February 14th.
  • People change from Medicare Advantage to Medicare Supplements.
  • People never change from Medicare Supplements to Medicare Advantage.
These are things that people say about the Medicare Supplement plans;
  • It's guaranteed to renew every year forever as long as I make the payments.
  • I'm still paying the Medicare Part B monthly premium.
  • Medicare Supplement premiums range from $100 to $150/mo. depending on my zip code.
  • On Plan G all I have is a $185 deductible (2019). Everything else is covered 100%
  • I can use any doctor in the USA.
  • I can use any hospital in the USA. Even Johns Hopkins or any big name hospital.
  • I do not need a referral to see any doctor. I just go.
Where am I covered?
Links for more info
Here are some great webpages to look at;
Here are some great vidoes to watch;
Must have downloads (PDF)
Medicare Handbook
Medicare Postcard
Medicare Supplements
Did you know you should check your MedSup (Medicare Supplement) insurance rates ever 2-3 years for changes? In many cases you can lower your monthly premiums and keep the same coverage.

Did your insurance agent tell you that?

Give us a call & we'll review you particular situation and check to see how much you can save.
You can contact us ...
Mike Combe


CA LIC # 0L92499

NIPR # 18533140
Or, we can contact you ...
You can schedule a phone appointment to talk to us about your particular situation. Whether you're turning 65 or would like to 'Switch & Save' your existing Medicare Supplement plan we can help you. You can make a phone appointment that fits your schedule.
Schedule Phone Appt
Or, send us a request ...
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Check any of these if you would like more information ...
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