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!


      Insurance Resources

      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


      How Prescription Drugs Can Affect Your Memory

      Certain prescription drugs can interfere with our memory processes, and understanding these medications and their potential impact is crucial for maintaining cognitive health.

      Read More

      Tips for Reviewing and Updating Your Retirement Plan

      Retirement planning is an ongoing process, and regular reviews and adjustments are essential for long-term financial success. Here is a checklist of items to review regularly.

      Read More

      Q&A About Insulin Price Changes

      A new law aimed at reducing prescription drug costs for millions of Medicare beneficiaries has introduced a significant provision for insulin.

      Read More

      Top Health Screenings for Seniors: What You Need to Know

      Regular health screenings become increasingly vital as we age to detect and manage potential health issues before they become serious….

      Read More

      Understanding Your Options for Medicare and Long-Term Care

      Understanding Medicare’s limitations regarding long-term care is crucial for effective planning. Contact us if you have any questions or if we can be of assistance.

      Read More

      8 Tips for Preventing and Coping with Osteoporosis

      Are you concerned with osteoporosis? Talk to your primary care physician about your concerns and they can recommend important screenings and other measures to protect your bone and overall health.

      Read More

      Dental Health for Seniors: Common Issues and Care Tips

      Prioritizing dental health is vital to maintaining overall health and quality of life in your later years. Regular care and professional dental support can prevent many common issues, ensuring a healthier smile for years to come.

      Read More

      Accessing Medicare Benefits in a Disaster or Emergency

      This guide will help you access the medical care you need swiftly and efficiently, providing peace of mind and the knowledge to handle any emergency confidently.

      Read More

      Dehydration Warning Signs for Seniors

      With record-breaking temperatures sweeping across the US recently, it’s more important than ever to stay vigilant about hydration.

      Read More

      Read Additional Articles

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