To speak with a licensed agent, call (520) 251-4491 (TTY 711 M-F: 8am-5pm, Sat: 8am-2pm) or email karmenzindk@gmail.com
KJK Insurance Advocates

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Throughout All Stages of Life

Information, Coverage Options,
and No-Cost Enrollment Assistance

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Need Help with Medicare?

Not Sure Where to Begin?

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!







      By submitting this information, you acknowledge a licensed insurance agent, Kimberli Karmenzind, may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

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      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…

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      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,…

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      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…

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      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


      4 Preventive Health Services Covered by Medicare

      Medicare offers a range of preventive health services at no additional cost, helping you stay healthy and catch potential health issues early. Here’s what you need to know…

      What Social Security Recipients Need to Know About the 2025 COLA and Inflation Trends

      As a Social Security recipient, you rely on the annual cost-of-living adjustment (COLA) to help keep pace with rising living costs. For 2025, the Social Security COLA is projected to be 2.6%.

      7 Key Medicare Changes for 2025 You Need to Know

      As we approach 2025, significant changes for Medicare are on the horizon, and they could impact your coverage and access to health care services.

      The Importance of Vision Screenings and Routine Eye Care

      Regular eye exams and proper eye care are essential for preventing serious eye conditions and preserving vision. Here are a few tips regarding eye exams and Medicare.

      Plan Ahead for Healthcare Costs in Retirement

      Planning for healthcare costs is a crucial part of your overall retirement strategy. It’s not just about having enough money for daily living—it’s about making sure you have adequate coverage for rising medical expenses.

      6 Medicare Myths Debunked: What You Really Need to Know

      Understanding the facts about Medicare can save you from costly mistakes and ensure you get the coverage you need.

      How to Maximize Your Medicare Coverage During the Annual Election Period

      Maximizing your Medicare coverage requires careful consideration of your healthcare needs, financial situation, and any changes to your plan’s coverage.

      The Importance of Social Connections for Mental Health After 65

      Research shows that individuals over age 65 who nurture close relationships with friends, family, and community members tend to experience lower rates of depression, anxiety, and cognitive decline.

      How to Review Medicare Plans During AEP

      The Medicare Annual Election Period (AEP) is from October 15 to December 7.  Here’s how to evaluate Medicare Advantage plans to ensure you’re choosing the best fit for your healthcare needs.

      Read Additional Articles

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