Meet The Team
Real local people on your side
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
Turning 65, or rethinking the plan you already have? The ads and mailers are built to confuse. We’re local Chaska brokers who lay Medicare Advantage, Medigap, and Part D side by side — for your doctors, your prescriptions, and your budget — and we represent multiple carriers, so we’re not pushing any one. Free to you, no pressure.
There’s a small window to make a big decision, a stack of mail telling you different things, and a real fear of getting it wrong. We slow it down, explain the pieces in plain English, and — because we’re independent — tell you the honest trade-offs instead of a sales pitch.
You bring your doctors and prescriptions; we bring the plans and the math.
Most Medicare decisions come down to how you want to add to Original Medicare. Here’s the short version of each — and we’ll help you pick the combination that fits.
All-in-one private plans (Part C) that bundle Parts A, B, and usually drugs and extras — with a network and a yearly out-of-pocket cap.
Sits alongside Original Medicare and pays the gaps, so you can use any provider nationwide. In Minnesota it’s Basic / Extended Basic, not lettered plans.
Standalone prescription coverage to pair with Original Medicare or a Medigap plan. In 2026, Part D caps your drug costs at $2,100 a year.
Inpatient hospital stays, skilled nursing, and hospice. Most people pay no premium for it.
Doctor visits, outpatient care, and preventive services. The standard premium is $202.90/month in 2026.
A private, bundled alternative to Parts A and B, usually adding drug coverage and extras like dental and vision.
Prescription drug coverage, either standalone or built into an Advantage plan. Out-of-pocket drug costs are capped at $2,100 in 2026.
If you’ve read national articles about “Plan G” or “Plan N,” set them aside. Minnesota is one of three states that standardize Medigap their own way — here it’s a Basic Plan (with optional riders), a comprehensive Extended Basic Plan, plus high-deductible and cost-sharing options. Minnesota also uses community rating, so age generally doesn’t change your Medigap premium. It’s a real advantage if you know how to use it — and a trap if you assume the national rules apply.
Your doctors, your prescriptions, how you like to get care, and whether you travel. A quick call or the form below is enough.
Advantage, Medigap, and Part D, side by side for your situation — checking that your doctors and drugs are covered.
We handle the enrollment and stay your point of contact year-round — including each fall when plans change.
Tell us your doctors, your prescriptions, and how you like to get care. We’ll compare Advantage, Medigap, and Part D for your situation — free, and with no nudging toward any one plan.
We’ll get back to you within one business day.
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
