(317) 565-4538
michele@spencermedicare.com
IN, OH & KY
Medicare Doesn't Have to Be Confusing.
Get expert help signing up for Medicare—at no cost to you.
Get expert help signing up for Medicare—at no cost to you.
We empower you to make an informed decision by offering expert, unbiased comparisons of all local plans available to you.
How I Can Help You
• Annual Election Period Review
• Initial Coverage Period
• Signing up for Medicare
• Assistance with Medicaid
• Help deciding if you should stay on employer plan or go onto Medicare
Medicare FAQ Help
Getting Started - Medicare Appointments
What is Medicare?
When do I enroll in Medicare?
Do I have to sign up when I turn 65?
When should I start looking at options?
Can I stay on my employer insurance?
Medicare Parts & Coverage Comparisons
What is the difference between Parts A, B, C, and D?
What does Medicare Part A cover?
What does Medicare Part B cover?
What is the difference between Medicare Advantage and Supplements?
Plan Costs & Out-of-Pocket Limits
What is the difference between a high deductible and low premium plan?
Are there additional fees for late enrollment?
What are the copayments for specialist visits?
Is there a limit on out-of-pocket expenses?
Working with an Independent Specialist
Why should I use an independent Medicare agent?
Does it cost extra to use an agent?
Can you compare multiple insurance companies?
Will you help me after I enroll?
How often should I review my plan?
Expert Guidance & Choosing an Agent
Servicing Indiana, Ohio and Kentucky
Why Partner With an Independent Medicare Specialist?
Navigating Medicare is a pivotal health decision. You shouldn’t be confined to a single carrier’s menu. As an independent advisor, I represent a diverse portfolio of insurers, enabling me to contrast plans objectively based on your requirements, not sales targets.
I look far beyond the monthly premium. We will analyze your preferred physicians, local hospitals, prescriptions, lifestyle, and financial goals before selecting a path. My mission is to simplify complex jargon and offer honest education so you can decide with certainty. If your needs change or a better market option emerges next year, I am here to facilitate that transition. Most importantly, I offer year-round advocacy—I remain your advocate long after the initial enrollment.
Is There a Cost for These Services?
No. Working with me involves no extra expense for you. Insurance carriers pay commissions to licensed agents for assisting with enrollment. Your premium remains the same whether you use a generic call center, an automated website, or my personalized service. The difference is the dedicated support you receive. With Spencer Medicare, you get tailored plan comparisons and continuous assistance at zero additional cost.
Do You Compare Multiple Carriers?
Yes. My independent status allows me to evaluate the top Medicare plans in your region. We’ll look at everything from premiums and deductibles to provider networks and lifestyle perks like dental, fitness, or travel coverage. Since every individual's health profile is unique, I help you find the specific fit that works for you, ensuring you don't just pick what's popular, but what's right.
What Happens After I Enroll?
Enrollment is just the beginning of our partnership. Insurance companies frequently adjust their networks, costs, and covered drug lists. Life events like moving or new health diagnoses can also necessitate a plan update. I stay by your side through it all. Whether you need help deciphering a bill or have questions about a coverage letter, you have a direct line to a professional who knows your story. I prioritize lasting relationships over one-time transactions.
When Should I Re-evaluate My Coverage?
I strongly suggest an annual review, even if your current plan seems satisfactory. Because Medicare benefits and costs shift every year, a yearly check ensures your doctors are still in-network and your medications are still optimized for cost. This proactive approach prevents you from overpaying or missing out on new supplemental benefits that could improve your quality of life.
Why Spencer Medicare?
With over 40 years of experience, I am committed to a pressure-free, educational environment. I believe you deserve clear answers and customized strategies. When you choose Spencer Medicare, you get access to:
• Comprehensive education before you commit
• Unbiased comparisons of multiple insurers
• Jargon-free explanations
• Full administrative support for paperwork
• Ongoing annual reviews
• A local, accessible resource for all your health insurance needs
My ultimate objective is to be your lifelong, trusted partner in healthcare navigation.
Common Questions About Medicare
When should I start looking at Medicare options?
Most people should begin their research 3 to 6 months before turning 65. If you are already receiving Social Security benefits, you may be enrolled automatically, but it's still important to review your supplemental options early.
Do I need to sign up for Part B if I’m still working?
If you have union or employer coverage from a company with 20 or more employees, you may be able to delay Part B without penalty. Every situation is different, so a consultation is recommended to avoid lifelong late-enrollment fees.
What is the difference between Medicare Advantage and Supplements?
Medicare Advantage (Part C) plans are all-in-one alternatives provided by private companies, often including drug coverage. Medicare Supplements (Medigap) work alongside Original Medicare to pay for out-of-pocket costs like deductibles and coinsurance.
Why partner with an independent Medicare specialist?
As an independent advisor, I represent a diverse portfolio of insurers, enabling me to contrast plans objectively based on your requirements, not sales targets. I look beyond the monthly premium to analyze your physicians, prescriptions, and lifestyle.
Is there a cost for your Medicare services?
No. Working with me involves no extra expense for you. Insurance carriers pay commissions to licensed agents for assisting with enrollment. Your premium remains the same whether you use a call center or my personalized service.
What happens after I enroll in a plan?
Enrollment is just the beginning. I prioritize lasting relationships, so I remain your advocate even after your coverage starts. Whether you need help deciphering a bill or have questions about coverage letters, I am a direct line for you.
How We Help You Choose
We provide a clear, compassionate path to the right Medicare plan for you and your loved ones.
What You Can Expect
Helping You Make Confident, Stress-Free Medicare Decisions
1. We Start With You
We take the time to understand your healthcare needs, doctors, prescriptions, priorities, and budget.
2. We Help You Get Enrolled in Medicare
If you’re new to Medicare, we’ll help you understand when and how to enroll in Medicare and guide you through the process.
3. We Do the Research
As an independent agency, we compare available Medicare options and help you understand which plans best fit your individual needs.
4. We Guide You Through Plan Enrollment
Once you’ve made your decision, we’ll assist you with the enrollment process and explain what happens next.
5. We’re Here After Enrollment
Our service doesn’t stop when your coverage begins. When questions come up, benefits change, or it’s time to review your coverage, you have someone you can call.
Medicare is your decision. You don’t have to navigate it alone.
Testimonials
"Thank you for looking out for us. I never understood any of it."
Sharon W
Spencer, IN
"Medicare was a maze until I met Michele. She took the time to explain every option without any pressure, finding a plan that matches perfectly."
Steve D
Anderson, IN
"Thanks for keeping me updated on Medicare changes. We will be setting up our review in the fall."
Twyla C
Elwood, IN
"Having Michele as our Medicare agent has given us such peace of mind. Her knowledge and quick responses are truly invaluable."