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?
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.
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.
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.
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…
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!
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!
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,…
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.
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…
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.
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.
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.
As we age, maintaining heart health becomes increasingly important. Understanding the connection between aging and cardiovascular health is key to adopting habits that promote longevity and well-being.
Medicare Part B premiums adjust yearly based on economic factors such as inflation and cost-of-living changes. Here’s what you’ll need to know for 2025.
With the right resolutions, you can make this year one of your best yet. Here are five wise resolutions every retiree should consider for 2025.
Vitamin D, often referred to as the “sunshine vitamin,” plays a vital role in maintaining overall health. It supports strong bones, boosts your immune system, and even contributes to mood regulation.
Understanding Medicare’s limitations in covering long-term care is vital for every individual, especially those approaching retirement age. Here’s what you should know…
Medicare beneficiaries have access to a wide range of preventive screenings and services designed to detect potential health issues early, when they are most treatable.
Chronic obstructive pulmonary disease (COPD) is one of the most common conditions affecting older adults, and its impact on daily life can be significant.
For many Medicare beneficiaries, out-of-pocket healthcare expenses can add up quickly. Fortunately, the Extra Help program—also known as the Low-Income Subsidy (LIS)—offers financial assistance to eligible individuals to help cover Medicare prescription drug costs.
As we age, maintaining heart health becomes increasingly important. One of the key factors in preventing heart disease is managing cholesterol levels.
Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.
We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.
If you wish to contact this website's owner, please use the contact form on the website.
Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.
Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.
Content highlighting - Users can prioritize key elements such as links, forms, and titles.
Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.
