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

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To 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 my 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 me for free assistance.

Begin by Enrolling in My Medicare Essentials 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, just register her to access it!







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

      Get Free and Friendly
      Medicare Help Now

      Medicare enrollment assistance offered
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Medicare’s “Donut Hole”

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Special Needs Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      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,…

      Read More


      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…

      Read More


      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


      Medicare Advantage Changes Can Be Made Now Through March 31

      If you’ve enrolled in a Medicare Advantage plan for 2023, but you’re having second thoughts, you can participate in Medicare Advantage Open Enrollment until March 31.

      Read More

      The Right Nutrition Can Benefit Your Eyes

      Proper nutrition and other smart choices can help to ward off some diseases of the eyes and preserve your vision.

      Read More

      How to Know If You are Taking Too Many Prescriptions

      Did you know that taking more than five prescriptions at once can dramatically increase your risk of side effects?

      Read More

      What You Need to Know Before You Turn 65

      Turning 65 this year? Here’s what you need to know about Medicare enrollment.

      Read More

      How Does Medicare View Pre-Existing Conditions?

      Throughout your lifetime, you’ve probably become accustomed to dealing with various health insurance issues. So you might know that pre-existing…

      Read More

      Does Medicare Cover the Cost of Nursing Homes?

      When it comes to nursing home stays, which can be lengthy and expensive, you might be surprised to learn that traditional Medicare does not offer coverage for this service.

      Read More

      What is a Medicare Special Needs Plan and Who Qualifies for One?

      Special Needs Plans are Medicare Advantage plans that are only open to people with certain circumstances or diagnoses.

      Read More

      Medicare Advantage Open Enrollment Ends Soon

      Medicare Advantage Open Enrollment runs from January 1 to March 31.

      Read More

      5 Ways to Prevent Medicare Fraud

      You might be surprised to learn that criminals are after your Medicare information. Why would they even want that? Are they planning to use your plan to obtain medical care?

      Read More

      Read Additional Articles

      Join Our Newsletter List

      Twice each month we deliver health tips straight to your email inbox. Try it, we think you’ll like it!

      You can unsubscribe at any time.







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