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!
KJK Insurance Advocates
Insurance Solutions
Throughout All Stages of Life
Information, Coverage Options,
and No-Cost Enrollment Assistance
Get Free and Friendly Help Now-
Including Medicare Enrollment Assistance!
Our licensed agents are available to assist you
at no cost and no obligation!
- Review your current coverages
- Explore additional benefits
- Explain your coverage options
- To speak with a licensed agent, call (520) 251-4491
Insurance Resources
Information and Quotes at Your Fingertips
Frequently Asked Questions
How do I apply for Medicare?
How do I apply for a Medicare Advantage or Supplement Plan?
Can I apply for Medicare in person?
Can I get assistance applying for Medicare?
When should I apply for Medicare?
What if I missed my Initial Enrollment Period?
Are there penalties for enrolling late?
When do I get my Medicare card?
Testimonials
Here’s what our clients say about our service…
Kimberli Karmenzind of KJK Ins Advocates is a Professional who really cares about her Clients and their needs without any pressure. Knowledgeable in Medicare, Life, Long Term Care, Annuities and more. You will not be disappointed. Her advice costs nothing and again, no pressure. She really likes to help.
Dominic
Saddlebrooke, AZ
Kim is very knowledgeable, thorough and accommodating. She jumped through hoops to get me covered for the remainder of the year, plus for 2021. Everything she promised, she did! Recommend highly.
Will
Saddlebrooke, AZ
As a veteran, I strongly recommend KJK Insurance. Kim got me better dental coverage, monthly cash benefits, benefits above and beyond over the previous plan, and great personal service.
Ven
Saddlebrooke, AZ
Upon finding it challenging to find an appropriate primary care provider for my 87 years old mother, I contacted Kim Karmenzind for advice about Medicare through Allwell, which is the insurance my mother had. Kim assisted me in changing her insurance to Humana, which provided extensive improvements in coverage as well as acceptance by…
Dale
Saddlebrooke, AZ
Upon finding it challenging to find an appropriate primary care provider for my 87 years old mother, I contacted Kim Karmenzind for advice about Medicare through Allwell, which is the insurance my mother had. Kim assisted me in changing her insurance to Humana, which provided extensive improvements in coverage as well as acceptance by many more medical providers, all at no cost to us. Kim’s service was exceptional, very professional and greatly appreciated. Highly recommend Kim Karmenzind!
Dale
Saddlebrooke, AZ
KJK Insurance Advocates is amazing. I will save over $3,500 next year due to their professional review of my needs. They explained options and efficiently helped set up a change of Medicare coverage. Then they followed up to make sure I cancelled current coverage 12/31/2020! They really cared!
Karel
Saddlebrooke, AZ
My husband and I weren’t sure we wanted to deal with a decision on insurance. From the moment Kim Karmenzind walked into our home we were sold. Kim explained all the benefits we’re going to enjoy, especially for veterans. She answered all our questions in a language we could understand. Kim’s knowledge of the product was amazing,…
Eileen
Saddlebrooke, AZ
My husband and I weren’t sure we wanted to deal with a decision on insurance. From the moment Kim Karmenzind walked into our home we were sold. Kim explained all the benefits we’re going to enjoy, especially for veterans. She answered all our questions in a language we could understand. Kim’s knowledge of the product was amazing, and we trusted her opinions. We are very happy to have her as our insurance advocate.
Eileen
Saddlebrooke, AZ
After decades with Blue Cross, I was hesitant to change health carriers, but the information that Kim presented to me for Humana was thorough, straight forward and, best news, saved me hundreds of dollars a year. I even get to keep my primary physician and maintain all the benefits that I had before. Kim made sure that I understood the…
Stephanie
Saddlebrooke, AZ
After decades with Blue Cross, I was hesitant to change health carriers, but the information that Kim presented to me for Humana was thorough, straight forward and, best news, saved me hundreds of dollars a year. I even get to keep my primary physician and maintain all the benefits that I had before. Kim made sure that I understood the new policy and answered all my questions. Her manner is professional, caring, and patient. Highly recommend.
Stephanie
Saddlebrooke, AZ
I thought that Kim was very informative. For years we had been paying for our supplemental policy and for what. We switched for 2021 to an Advantage Plan and look forward to a savings. Our primary will be Lora who has already reached out to us setting us up for appointments the early part of January.
Anne
Oro Valley, AZ
We enjoyed meeting Kim, and with her help feel confident that we chose the right insurance advocate. Kim was knowledgeable and answered our questions quickly and efficiently. Thank you, Kim…we will recommend you to our friends.
Pete and Becky
Saddlebrooke, AZ
Articles and Information
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.
Join Our Newsletter List
Each month we deliver useful tips straight to your email inbox. Try it, we think you’ll like it!
You can unsubscribe at any time.