Medicare, health, life, and retirement coverage — it's confusing, and choosing wrong is expensive. Talk to an independent, licensed broker who will walk you through your options in plain English — at no cost to you.
Educational guidance only. We do not offer every plan available in your area — see disclosures below.
From Medicare and ACA plans to life insurance, dental, vision, and retirement income — we help you understand your choices and find coverage that fits your needs and budget.
All-in-one plans (Part C) that bundle hospital, medical, and often prescription drug coverage — many with extra benefits. We'll explain how they work and what to watch for.
Plans that help pay the costs Original Medicare doesn't cover, like deductibles and coinsurance — giving you predictable out-of-pocket costs. See what Medicare doesn't cover.
Standalone drug coverage to pair with Original Medicare or a Supplement plan. We'll help you check that your medications are covered affordably.
Individual and family health coverage for those not yet on Medicare. We'll help you compare your options in plain English.
Affordable Care Act plans — many people qualify for subsidies that lower their premiums. We'll help you check what you're eligible for and compare plans.
Standalone dental and vision plans for individuals and families — from cleanings, glasses, and contacts to major dental work.
Coverage that helps pay for extended care — at home or in a facility — so a health event doesn't wipe out your savings.
A budget-friendly option covering up to a year of care — a practical middle ground for home health, assisted living, and nursing costs.
Turn savings into reliable retirement income. We'll walk you through your options in plain English — no jargon, no pressure.
Term and permanent life insurance to protect the people who count on you. We'll help you figure out how much coverage makes sense — no jargon, no pressure.
Thinking about the years ahead? We'll help you make sure your health and life coverage fit your retirement picture, so there are no surprises down the road.
Three simple steps. No pressure, no obligation.
Call or send the form below. We'll learn about your doctors, prescriptions, and budget.
We walk you through the plans available to you, in plain English, side by side.
You decide. We handle the paperwork and stay available for questions year-round.
I'm an independent Medicare insurance broker. That means I don't work for any single insurance company — I work for you. My job is to cut through the jargon, answer your questions honestly, and help you find coverage that actually fits your life.
Whether you're turning 65, new to Medicare, or rethinking your current plan during the Annual Enrollment Period, I'm here to help you make a confident, informed decision.
General educational information — not plan-specific advice.
October 15 through December 7 each year. Changes you make during this window take effect January 1 of the following year. Outside of this period, you generally can't switch plans unless you qualify for a Special Enrollment Period.
Medicare Advantage (Part C) replaces Original Medicare with a private plan that bundles your coverage, often including drug coverage and extra benefits. Medicare Supplement (Medigap) works alongside Original Medicare to help pay your share of costs like deductibles and coinsurance. The right choice depends on your health, doctors, prescriptions, and budget. Read the full guide:`Medicare Advantage vs. Medigap.
No. As a licensed broker, I'm compensated by the insurance carriers — our guidance costs you nothing, and it never changes the price of your plan.
A good rule of thumb is to start about three months before your 65th birthday, which is when your Initial Enrollment Period begins. That gives us time to compare options without rushing. Read the full Turning 65 Medicare Checklist.
Request a call back or ask a question. We typically respond within one business day.
Call or text — you'll reach a real person, not a phone tree.
Phone calls may be recorded for quality assurance and regulatory compliance.
Important disclosures. We do not offer every plan available in your area. Currently we represent over 30 organizations which offer over 150 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Reardon Benefits is a trade name of Michael Reardon Insurance, an independent insurance agency. We are not affiliated with, endorsed by, or acting on behalf of the U.S. government, the federal Medicare program, or any state government. This website is a solicitation for insurance.
The information on this site is educational and general in nature. Plan availability, benefits, and costs vary by location and are subject to carrier approval. Nothing here is a guarantee of coverage or benefits.