MEDICARE SMARTLY

FIND OUT WHAT PLANS ARE AVAILABLE IN YOUR AREA

MEDICARE MADE SIMPLE

Medicare can be confusing — but it doesn’t have to be.

Whether you're turning 65, planning for retirement, or helping a loved one, we’re here to guide you through every step of your Medicare journey.

At Kimberly Penny Insurance Services, we believe understanding your healthcare options should be easy, not overwhelming. That's why we offer clear explanations, personalized advice, and help finding the best plan for your needs and budget.

What is Medicare?

Medicare is a federal health insurance program for:

People aged 65 and older
Younger individuals with certain disabilities
Those with End-Stage Renal Disease (ESRD)

Medicare helps cover many healthcare costs — but not everything. Knowing your options is key to making the right decision.

The Four Parts of Medicare

Medicare is divided into different parts, each designed to cover specific healthcare needs:

Medicare Part A

Hospital Insurance coverage inpatient care

Medicare Part B

Medical insurance for doctor visits and outpatient care

Medicare Part C

Medicare Advantage Plans offered by private insurance companies

Medicare Part D

Prescription drug coverage

When Should You Enroll in Medicare?

Enrolling at the right time is critical to avoid late penalties and gaps in coverage.
Learn about:

Initial Enrollment Period (IEP)
Special Enrollment Periods (SEP)
General Enrollment Period (GEP)

What We Offer

We represent a variety of Medicare plans, including:

Medicare Advantage (Part C)
Medicare Prescription Drug Plans (Part D)
Medicare Supplement Insurance (Medigap)

We work with top-rated insurance carriers to bring you competitive options in your area.

Why Work With Us?

Choosing the right Medicare plan is a personal decision --- and you don't have to do it alone. When you work with us, you'll get:

Personalized guidance — We help you compare plans side by side; we're not tied to any one insurance company
Learn the Basics — Understanding the different parts of Medicare and enrollment deadlines
No cost to you — Our services are 100% free
Licensed agents — Local, knowledgeable, and CMS-compliant
Ongoing Support & Annual review — Your needs may change — we're with you every step of the way including helping you re-evaluate during Medicare’s Annual Enrollment Period (AEP)

Still not sure what's right for you?

Work with a Financial Professional. Understanding your options and choosing coverage that's right for you is one of the most important financial decision you can make.

SCHEDULE YOUR VIRTUAL REVIEW

Important Disclaimers

ATTENTION: Medicare has neither reviewed nor endorsed the information in this website. Kimberly Penny Insurance Services, LLC are not connected with or endorsed by the U.S. government or the Centers for Medicare & Medicaid Services.

DISCLAIMER:
We do not offer every plan available in your area. Currently, we represent [11] organizations which offer [53] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Life, Health & Wealth Protection

MEDICARE SMARTLY

MEDICARE MADE SIMPLE

What is Medicare?

The Four Parts of Medicare

When Should You Enroll in Medicare?

What We Offer

Why Work With Us?

Still not sure what's right for you?

​Work with a Financial Professional. Understanding your options and choosing coverage that's right for you is one of the most important financial decision you can make.​​

Important Disclaimers

Important Disclaimers

Work with a Financial Professional. Understanding your options and choosing coverage that's right for you is one of the most important financial decision you can make.