Expert Medicare Broker Services: Guidance & Enrollment Support
Medicare enrollment and plan choices can be confusing and time-consuming. Don’t do it alone! I’m Andy Stroman, founder of Stroman Insurance Services, and I specialize in providing personalized Medicare assistance. I’ll clearly explain your options, compare plans based on your unique needs including doctors and prescriptions, and guide you through the enrollment process – all at no direct cost to you.
My Comprehensive Medicare Assistance Services
When it comes to Medicare, you shouldn’t have to figure it out alone. I provide complete Medicare guidance – from explaining your initial enrollment timeline through helping you choose and enroll in plans that fit your needs. I help hundreds of Medicare beneficiaries each year understand their options and make confident decisions about their coverage.
Beyond just explaining Medicare, I provide ongoing support throughout the year. When you have questions about claims, need help finding in-network providers, or want to review your coverage during Annual Enrollment Period, I’m here to help. All of my Medicare services are provided at no cost to you.
New to Medicare Guidance
Step-by-step help for your Initial Enrollment Period (IEP) around age 65 or when first eligible. I ensure you understand your timeline, sign up correctly to avoid penalties, and know all your initial coverage choices.
Annual Plan Comparison & Evaluation
During the Annual Enrollment Period (AEP) or if you qualify for a Special Enrollment Period (SEP), I help you review your current coverage and compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans from multiple carriers to find the best fit and value for the upcoming year.
Personalized Plan Matching
I take the time to understand your specific needs – checking which plans cover your preferred doctors, hospitals, and prescription medications.
Enrollment Support
I guide you through the application and enrollment process accurately and ensure it’s submitted on time.
Year-Round Assistance
My support doesn’t end after you enroll. I’m available throughout the year to help with questions about claims, finding providers, understanding benefits, or reviewing plan changes.
How I Help You Compare Your Medicare Plan Options
The biggest Medicare decision is often how you want to receive your coverage. I help you objectively compare the two main paths:
I’ll explain how these pieces work together and compare different Medigap plan letters like G, N, etc.
I’ll compare various MA plans (HMOs, PPOs) available in your area, checking doctor networks, drug formularies, estimated out-of-pocket costs, and extra benefits (like dental/vision).
I’ll compare and standalone Part D plans based on your prescriptions and pharmacy preferences.
My goal is to present these options side-by-side, tailored to your specific health needs and budget, so you can make a confident choice.
Adding Supplemental Protection
Sometimes, gaps remain even with good Medicare coverage. If you’re concerned about costs related to dental, vision, hospital stays, or critical illnesses, I can also help you evaluate and enroll in separate supplemental insurance plans designed to work alongside your Medicare coverage.
What clients have to say
“Outstanding knowledge, service, and communication-recommend strongly to navigate healthcare insurance options!”
“Andy was wonderful to work with and made everything so easy on my end. He was not pushy and did not rush me in making a decision. Will definitely use him again for insurance needs!”
“Andy is very knowledgeable and professional. He helped us decide which Medicare plan is best for us. I would highly recommend him. “
How My Process Works
The Medicare enrollment process can be frustrating. My job is to remove the headache.
Here’s what to expect when you work with me:
1. Free Consultation
Tell me about your situation and needs.
2. Compare Options
Review personalized recommendations I prepare for you.
3. Easy Enrollment
I’ll show you exactly how to enroll with accuracy and on-time.
4. Ongoing Support
I’m here whenever you need me for billing and claims issues.
Ready for professional Medicare guidance?
Schedule your free consultation. I’ll help you understand your options and find the right coverage for your needs.
Find Local Medicare Broker Services in Atlanta
As a broker based in Marietta, I specialize in assisting residents throughout Metro Atlanta and Georgia with their Medicare decisions.
While specializing in Georgia, I am licensed and assist clients across many other states.
Frequently Asked Questions
Here are the most common questions I get from prospective clients:
Most people should enroll during their 7-month Initial Enrollment Period (IEP), which starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. Signing up for Part B or Part D late can lead to lifetime penalties. However, if you’re still working and have employer coverage, the rules might differ. Part of my service is helping you determine your specific enrollment dates based on your situation (turning 65, retiring later, disability) to ensure you enroll on time and avoid penalties.
This is one of the most important Medicare decisions, and there’s no single “best” answer – it depends entirely on your priorities. Generally, Original Medicare + Medigap offers broader freedom to choose doctors nationwide and more predictable out-of-pocket costs, but usually has higher premiums and requires a separate Part D plan. Medicare Advantage often has lower (even $0) premiums, includes drug coverage and extra benefits (like dental/vision), but typically uses local provider networks (HMOs/PPOs) and has copays/coinsurance when you use services. My role is to clearly explain the pros and cons of each path for you and compare specific plans side-by-side based on your health needs, budget, and doctor preferences to help you make an informed choice.
This is crucial! If you choose Original Medicare with a Medigap plan, you can generally see any doctor or hospital in the U.S. that accepts Medicare. If you’re considering a Medicare Advantage plan (HMO or PPO), these use specific provider networks. A key part of my plan comparison service is verifying that your preferred doctors, specialists, and hospitals are included in the network of any Medicare Advantage plans you’re considering before you enroll.
Original Medicare (Parts A & B) generally doesn’t cover outpatient prescriptions. You’ll need coverage either through a standalone Part D plan (used with Original Medicare/Medigap) or a Medicare Advantage plan that includes drug coverage (MA-PD). I help you review your current medication list against different Part D and MA-PD formularies (their lists of covered drugs) to find a plan that covers your specific prescriptions affordably and helps you understand potential costs through different coverage phases like the ‘donut hole’.
It depends, primarily on the size of your employer and whether your employer coverage is considered “creditable” (at least as good as Medicare). The rules for coordinating Medicare with employer group health plans can be complex. I help you understand these specific rules based on your situation to determine if you need to enroll in Part A and/or Part B now, or if you can safely delay enrollment without facing penalties later.
Yes, in most cases. The main opportunity is the Medicare Annual Enrollment Period (AEP) each fall, from October 15th to December 7th. During AEP, you can switch between Medicare Advantage plans, switch between Part D plans, drop MA and return to Original Medicare (and potentially apply for Medigap), or join an MA plan from Original Medicare. There are also Special Enrollment Periods (SEPs) triggered by certain life events (like moving or losing other coverage). Part of my ongoing support includes reminding you about AEP and offering an annual review to ensure your current plan still meets your needs and help you make changes if necessary. I also help identify if you qualify for an SEP during the year.