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

Insurance Solutions
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 may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

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      Including Medicare Enrollment Assistance!

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      at no cost and no obligation!


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      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…

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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


      Holistic Pain Management for Medicare Beneficiaries

      While medications play a vital role in pain management, holistic approaches that extend beyond pharmaceutical interventions can offer you a more comprehensive and sustainable solution.

      Read More

      Decoding Medicare Advantage Plan Star Ratings

      Medicare Star Ratings provide a breakdown of performance in specific areas, allowing beneficiaries to hone in on aspects that matter most to them.

      Read More

      Nurturing Connections: The Benefits of Socializing for Older Adults

      Research consistently underscores the positive impact of social engagement on senior health. Here we share some practical advice on the benefits of nurturing social connections in your golden years.

      Read More

      What to Do If You Missed Medicare’s Annual Enrollment Period

      Missing the Annual Enrollment Period (AEP) for Medicare can be a source of concern for many. If you’ve missed this critical window, don’t worry- there are still options available to ensure you have the health coverage you need.

      Read More

      10 Tips That Can Help Seniors Achieve a Better Night’s Rest

      Those over 65 often face unique sleep challenges that can impact the quality and duration of their rest. Here are some tips that can help!

      Read More

      Medicare Part D Plans: Assessing for Optimal Coverage Based on Your Needs

      As healthcare needs evolve, it’s essential to regularly assess your Part D coverage and consider whether switching to a different Part D plan may better suit your requirements.

      Read More

      6 Health Resolutions for Those Over 65

      It’s never too late to make positive changes in your life, and small steps can lead to big improvements in your overall well-being.

      Read More

      How to Reduce Your Odds of Liver Disease as You Age

      Guarding your liver is a fundamental aspect of maintaining a healthy lifestyle and living a longer, healthier life. Here’s what you should know…

      Read More

      10 Exercise Tips for Seniors: Enhancing Health and Vitality

      Here are 10 essential tips for seniors looking to embark on a fitness journey, tailored to ensure safety, enjoyment, and lasting health benefits.

      Read More

      Read Additional Articles

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