The Medicare challenge

Medicare is a whole new ballgame! It is  not anything like the insurance you used to have. For example:

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• Complicated and rigid enrollment rules
• Medicare coverage Parts         ABC and D
• Eleven Medicare Supplement (Medigap) Plans A-N
• Ten Part D Drug Plans costing from $0 to $217/mo. plus
• Forty-one "standard" Medicare Advantage Plans are listed in Charlotte County for 2026                (and we offer 29 of the 41 ).

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It can be truly overwhelming, confusing, and a real dilemma who to talk to and which Plans to pick.

Now you can get professional Medicare insurance advice with no heavy-handed sales pitch.

What I will do for you

My solution for you is straightforward and simple, and I promise it will be more comfortable for you.

I will gladly and patiently explain Medicare's Parts and Plans, the costs, the differences, the pros and cons, with no pressure, no fee, no obligation, and all the help you need.

I will keep the process as uncomplicated as possible and help you make good and comfortable choices.  

I will bring more value than a sales call center can, because I am locally focused, an independent broker who works for you, not the insurer, and it will cost you exactly the same, nothing extra.

Even better, whenever you call, the same person will always answer!

Ralph has been an insurance professional since 1968. He and his wife Cheryl relocated from Glen Ellyn, IL to Punta Gorda in 2004 and in 2011 he began a second insurance career, focused on helping you and hundreds of others understand Medicare insurance. Ralph has always believed that insurance is a service to help people deal with the financial uncertainties of life, and his “golden rule” is if he wouldn’t buy it he won’t recommend it.