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…

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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


      Two Reasons to Keep Track of Your Medical Expenses

      There are two very good reasons to maintain meticulous records of your out-of-pocket spending on healthcare.

      Read More

      What Your Teeth Can Tell You About Your Health

      Did you know that your teeth can tell you a lot about your health overall?

      Read More

      Does Medicare Cover Long-Term Nursing Home Care?

      You might assume that Medicare covers the cost of a nursing home, but that’s a common error.

      Read More

      3 Vision Symptoms You Must Take Seriously

      If you notice any of the following three symptoms, you should take them very seriously and visit an ophthalmologist right away.

      Read More

      If You Work After Age 65, Do You Still Need to Enroll in Medicare?

      If you’re covered by an employer’s group health insurance package, are you still required to enroll in Medicare?

      Read More

      A Simple Strategy to Lower Your Wine Consumption

      Most doctors agree that some wine consumption is acceptable and perhaps even healthy. But if you are trying to cut back, here are a few tips.

      Read More

      A Surprising Way to Lower Your Dementia Risk

      While we can’t always control everything that happens to our health, the good news is that there are proactive steps you can take to lower your dementia risk.

      Read More

      What to Do About That Mystery Mole

      If you’re concerned about a strange mole or other skin blemish, definitely ask your primary care doctor for a referral to a dermatologist. But in the meantime, here’s what you should look for.

      Read More

      Medicare Annual Election Period Is About to Begin

      Each fall, from October 15 to December 7, the Annual Election Period allows you to review different Medicare plans and choose one that best suits you.

      Read More

      Read Additional Articles

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