Medicare Made Simple
Independent guidance. No pressure, No obligation.We promise you impeccable advice, delivered with truth, integrity, and genuine purpose.
Jeff Howard
President
65.insure
65.insure is Medicare, and only Medicare.
We're senior owned, operated, and staffed — so we understand this decision personally, not just professionally.
Every agent here goes through ongoing training because getting your Medicare right isn't just important, it's life-impacting. We take that seriously.
We'd be honored to help you get it right.
Appreciatively, Jeff
Why Choose 65.insure?
Thanks for asking. That's a good question to ask of any agency.
Decision Empowerment
Step-by-Step Guidance
We walk you through a personalized needs assessment, step by step, at your pace — so you make the right choice for your situation.
Medicare Part D Solutions
The wrong Part D plan can cost you thousands — and leave critical medications out of reach. We're Part D specialists who find the right plan for your exact needs.
Your Doctors, Verified
Before you enroll, we verify that your doctors and specialists accept your plan. No surprises. No disruptions to the care you depend on.
Getting Started
Enrollment Made Easy
Enrollment is just the beginning. We walk you through setting up your accounts, accessing your ID cards, and navigating your new plan with confidence.
Membership Page Access
Our members get exclusive access to resources, provider reviews, prescription savings tools, and a tip sheet that keeps you ahead of what Medicare doesn't tell you.
Our On-Going Service Commitment
The large Medicare agencies have one goal — enrollment numbers. Once you sign, you're a policy number in a system designed for volume, not service. When problems arise — and with Medicare they always do eventually — you'll discover what "support" really means to them.
We built this agency differently. Small enough to know your name. Experienced enough to fight for you. We measure success by how well we serve you after the sale — not by how many policies we write.
Claims & Billing Support
When a claim is denied, a bill is disputed, or an appeal is needed, you won't face it alone. Our agents — backed by a dedicated Claim Resolution Team — provide lifetime support for every policy we write.
We're Connected
We're contracted directly with every major carrier through dedicated broker service portals — giving us a direct line to resolve complex problems that regular customer service simply can't handle.
RX Denials
A denied prescription can feel like a dead end. We'll guide you through the appeals process and fight for every available option — so you know every avenue has been explored.
Prior Authorizations
When a prior authorization stalls, most members don't know where to turn. We coach you on exactly what to ask for — and when necessary, leverage our direct carrier access to help move things forward.
Get Our Free Medicare Guide
Our free guide walks you through the Medicare basics — so your first conversation with us starts from a position of confidence.
Together, with Mary’s excellent advice, your guide provided great clarity. The price was free, but the guidance was priceless.
Frequently Asked Questions
Is there any cost for your help?
No. We're independent brokers. We're paid by the insurance carriers, not by you. Our guidance costs you nothing.
Will I feel pressured to buy something?
Never. Our job is to help you understand your options clearly. The decision is always yours, on your timeline.
Why should I use an independent broker instead of going directly to a carrier?
A carrier can only show you their own plans. We work with multiple carriers, so we can show you the full picture and find what actually fits your situation.
When can I enroll?
Your Initial Enrollment Period begins three months before you turn 65. Missing key windows can mean penalties or gaps in coverage, so timing matters.
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage replaces Original Medicare. Medigap supplements it. They work very differently and the right choice depends on your health, budget, and doctors.
Can I keep my doctors?
That depends on the plan. We verify your doctors and specialists accept your plan before you enroll — no surprises.
What if I'm still working at 65?
You may be able to delay enrollment without penalty if you have qualifying employer coverage. We'll help you understand exactly where you stand.
What's the biggest mistake people make with Medicare?
Part D covers prescription drugs. If you don't have creditable drug coverage elsewhere, skipping it can trigger a permanent late enrollment penalty.