To speak with a licensed insurance agent regarding Medicare, call (989) 342-2682. Or call (989) 277-3777 for other information. (TTY 711 M-F, 9am-5pm) or email garlandgrazier@gmail.com
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As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

New Medicare Beneficiaries:
Start by Watching Our Medicare Essential Video Quick-Course.

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation. Register now for instant access!


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      Articles and Information


      What Happens When Your Healthcare Needs Change Outside of Medicare’s Annual Election Period?

      What can you do if these changes happen outside of the Medicare annual enrollment period? You have options available to you!

      Common Exercise-Related Injuries in Seniors and How to Prevent Them

      Exercise-related injuries can happen more easily as we age due to changes in balance, muscle strength, and bone density. Fortunately, most injuries can be prevented with the right precautions.

      Hormone Replacement Therapy Gaining Popularity with Aging Adults

      If you’re experiencing symptoms of hormonal imbalance or are curious about how hormone therapy might fit into your wellness plan, start by having a thoughtful conversation with your doctor.

      7 Questions to Ask When Choosing a New Medicare Plan

      Choosing the right Medicare plan involves careful thought and review. Your health, budget, and personal preferences all play a role in making the best choice for your needs.

      Do You Have to Enroll in Medicare if You’re Still Working?

      If you’re approaching age 65 and still working, reach out to one of our knowledgeable licensed insurance brokers. We’ll help you understand your options.

      Exploring Holistic Medicine for Beneficiaries: Coverage and Considerations

      Holistic medicine offers seniors a supportive path toward better health and a higher quality of life. By blending traditional care with thoughtful, natural approaches, many find a greater sense of balance and vitality as they age.

      An Overview of Upcoming Medicare Part D Changes for 2026

      Medicare beneficiaries can expect important updates in 2026 that may impact their coverage and out-of-pocket costs. Understanding these changes now can help you prepare and also ensure you’re making the most informed decisions during enrollment.

      Medicare and Preventive Care: Screenings and Services That Could Save Your Life

      Medicare covers a wide range of preventive care services, such as screenings and annual check-ups, that can help detect health problems early, when they are most treatable. Taking advantage of these coverage could quite literally save your life.

      6 Health Tips for Seniors as We Transition into Fall

      As summer winds down and the crisp air of fall approaches, many seniors find this seasonal transition to be a perfect time to refocus on their health.

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