Everything you need to conquer Medicare 👇

1
8-video course explaining Medicare
2
Decision Map to make an action plan
3
9-mo Checklist to keep you on track
4
Free Medicare Expert consultation

1. Video course

As a licensed insurance broker in IL and IA, I take pride in educating my clients. This course took me months to prepare, and will help you deeply understand Medicare in under an hour.
Deepen your learning

Download the 14-page fill-in-the-blank workbook

Lesson 
7
|
5
 min

Choosing the best plan for your unique situation

Lesson resources
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7
Supplement (Medigap) plans table
Open LinkDownload
The prices vary depending on the plan, the company providing it, your age, and your gender, but the average American pays an average of $139 per month for a Medigap plan.
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8
Braden's Advantage plans (w/ cost estimation)
Open LinkDownload
Of the left side of the screen, click "add preferences" and enter your drug, pharmacy, doctor preferences to get a complete yearly cost estimation for each plan.
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9
Client preferences sheet
Open LinkDownload
Use this as reference when adding preferences to an online portal.

2. Decision map

Follow steps A & B to find an action plan for your unique situation.

A: Follow the map

Open the decision tree, start at the top and work your way down until you get a letter. Once you get your result, come back here and continue to B.

B: Tap your letter

Tap on the letter from the map to see your action plan.
A

Your situation
You are over 65, and you plan on working past 65. You are/were a government employee or military veteran.


Suggested plan of action
If you are still on your employer group coverage, you may be able to choose wether you want to transition to Medicare or not.

Since you are a veteran or government employee, you have special plans available to you.

TRICARE, VA benefits, and federal employee plans (like Federal Blue Cross Blue Shield) can work in unison with Medicare plan to give you extra benefits.

Contact me to see what these plans look like.

B

Your situation
You are over 65, and you plan on working past 65.


Suggested plan of action
If you are still on your employer group coverage, you may be able to choose wether you want to transition to Medicare or not.

There are a few reasons you'd want to remain on your employer group coverage past 65:
     - You have dependents on your plan
     - Your plan is really good
     - You want to continue contributing to an HSA account

If you choose to stay on your current employer plan, you will most likley want to delay Part B of Medicare since there is a $175 monthly premium.

If you do this, once you retire, you can get a form filled out by your HR department that waives the Part B late enrollment penalty.

However, if you have no dependents on your plan, there may be Medicare plans that offer better benefits than your employer coverage.
‍‍
Contact me to help you decide.

C

Your situation
You are over 65 and are enrolled in a state Medicaid program‍

Suggested plan of action
You will want a Dual-SNP. These plans are made specifically for people enrolled in both Medicare and Medicaid, and they have incredibly rich benefits.
‍‍
Contact me to help you enroll.

D

Your situation
You are over 65, and are/were a government employee or military veteran.


Suggested plan of action
Since you are a veteran or government employee, you have special plans available to you.

TRICARE, VA benefits, and federal employee plans (like Federal Blue Cross Blue Shield) can work in unison with Medicare plan to give you extra benefits.

Contact me to see what these plans look like.

E

Your situation
You are over 65 and are not working.


Suggested plan of action
You are eligible for Medicare. You'll want to enroll in Parts A & B if you have not already, then find supplementary coverage.

Contact me to enroll and identify plans that may be a good fit.

F

Your situation
Your 65th birthday month is within 3 months from today, you are not drawing Social Security benefits, and you plan on working past 65.

Suggested plan of action
You are eligible to enroll in Medicare since you are inside your Initial Enrollment Period (IEP).

Since you aren't drawing Social Security benefits, you will not be automatically enrolled and we would have to manually enroll you, BUT...

Since you plan on working past 65, you can elect to keep your employer group coverage.

There are a few reasons you'd want to remain on your employer group coverage past 65:
     - You have dependents on your plan
     - Your plan is really good
     - You want to continue contributing to an HSA account

If you choose to stay on your current employer plan, you will most likely want to delay Part B of Medicare since there is a $175 monthly premium.

If you do this, once you retire, we would get a form filled out by your HR department that waives the Part B late enrollment penalty.

However, if you have no dependents on your plan, there may be Medicare plans that offer better benefits than your employer coverage.

Contact me to help you decide.

G
Your situation
You are under 65, but you are on a state Medicaid program and you are either (a) within 3 months of your 65th birthday month, or (b) have been on Social Security Disability benefits for over 24 months.

Suggested plan of action
You will want to enroll in Medicare and a Dual-SNP plan.

If you are within 3 months of your 65th birthday month and you are drawing Social Security benefits, you will be automatically enrolled in Parts A & B, but not the Dual-SNP.

If you are within 3 months of your birthday month and are not drawing Social Security benefits, you will not be automatically enrolled in any plans, and we will have to manually enroll you in all of them.

If today is not within 3 months of your 65th birthday month (you are younger), but you have been receiving Social Security Disability income for over 24 months, you will be automatically enrolled in Parts A & B, but not the Dual-SNP.

In all cases, contact me to enroll you in A, B, and/or a Dual-SNP plan.
H

Your situation
You are under 65, but are eligible for Medicare and are/were a government employee or military veteran.


Suggested plan of action
Since you are a veteran or government employee, you have special plans available to you.

TRICARE, VA benefits, and federal employee plans (like Federal Blue Cross Blue Shield) can work in unison with Medicare plan to give you extra benefits.

You in a slightly unique, but very good situation in terms of healthcare

Contact me to see what plans are available to you.

I

Your situation
You are under 65, but are eligible to sign up for Medicare.

Suggested plan of action
If you are drawing Social Security or have been recieving Social Security Disability income for over 24 months, you will be automatically enrolled in Parts A & B once you turn 65.

If you are not drawing social security, you will still be eligible to enroll in Medicare because you are inside your Initial Enrollment Period (IEP). We will have to manually enroll you in Parts A & B before looking at supplementary plans.

Contact me to enroll and find supplementary coverage.

J

Your situation
You are under 65, but have been diagnosed with Lou Gehrig's Disease (ALS) or End Stage Renal Disease (ESRD)

Suggested plan of action
Depending on diagnosis and treatment, you are most likely eligible for Medicare.

Contact me to get clarity on your eligibility and plan options.

K

Your situation
You are under 65 and are not yet within 3 months of your birthday month.

Suggested plan of action
You are not yet eligible to enroll in Medicare, but you'll want to get your ducks in a row 🦆.

I actually strongly prefer meeting people before they are eligible.

Contact me to get a head start!

3. Medicare Checklist (9-months)

I made this checklist to keep you prepared throughout the confusing Medicare process. It starts 9 months before your 65th birthday. Print it out and stick it on your fridge!

4. My free done-for-you Medicare service

I know... it's a lot of information.

You're most likely thinking:

"Okay... Medicare makes more sense now, but my situation is pretty unique... and I'm still lost when it comes to choosing a plan and enrolling without penalties"

As a licensed insurance broker based in the Quad Cities of IL/IA, I have a unique service to offer you.

At NO COST, I will take care of all things Medicare for you.

I will:

  1. Deeply understand your unique situation
  2. Enroll you in parts A, B, C, and D (as needed)
  3. Find the Medicare plan that best fits your needs
  4. Enroll you in that plan
  5. Be available year-round for questions
  6. Follow up with you regularly
  7. Go to bat for you with problems/claims
  8. Notify you of changes to your plan each year
  9. Reassess your health situation each year
  10. Change your plan as needed

I am contracted with all the top insurance companies, so I remain unbiased.

They are required to compensate me, so you don't have to.

If you want to learn more about my services or simply ask me a question about Medicare, fill out the form below 👇

Send an email to Braden

Or call me at (563) 287-0502 (I don't receive texts)
Message from Braden
Before you start

I packed a ton info onto this page... If you get overwhelmed, I'm a licensed insurance broker In the Quad Cities of IL & IA. I have a done-for-you Medicare service where I take care of all things Medicare for you at no cost. If you ever lose this page, I sent a link to your email.

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Who's Braden? Why free? What's the catch?

I'm here to help, whether I become your broker or not, because I know it will pay off in the end.

When your needs and wants are taken care of, and the companies I represent get another member, I will make money.

It's my job to help people 65+  find unique ways to spend less money for better healthcare. Contact me today to see how I can help you!

Licensed to sell these A-list providers in Illinois & Iowa

Serving Illinois and Iowa

I am based in the Quad Cities on the Mississippi river, and I'm licensed and certified to sell all the top insurance providers in Illinois and Iowa under Midwest Insurance Group.

Licensed

I'm licensed in Illinois and Iowa as a Life and Health insurance broker, and have my AHIP certification for Medicare.

Contracted

I'm contracted with leading companies, including United Healthcare, Aetna, Humana, Blue Cross Blue Shield, Wellmark of IA and Health Alliance.