Long-Term Care
Medicare generally does not pay for ongoing custodial care, assisted living, or memory care. It is worth asking how care would be paid for before a family is in crisis.
Turning 65 in Kansas City opens a narrow Medicare enrollment window. Miss it and you'll pay permanent late penalties on Medicare Part B — forever. I'll compare every Medicare Supplement, Advantage, and Part D plan available in your area and make sure you board on time — at no cost to you.
Fill out your boarding pass below. Takes 60 seconds. No commitment, no pressure — just a seat at the table.
We meet by phone or video. I assess your situation, compare every plan available in your area, and explain it in plain English.
You enroll in the right plan with zero late penalties. My service is 100% free — carriers pay me directly, never you.
A Medicare review can uncover planning questions that sit just outside Medicare: long-term care costs, retirement-income timing, IRMAA surcharges, and whether an old policy still fits the next chapter.
Medicare generally does not pay for ongoing custodial care, assisted living, or memory care. It is worth asking how care would be paid for before a family is in crisis.
IRA withdrawals, pensions, capital gains, and other income can affect Medicare Part B and Part D costs through IRMAA. A plan should account for the Medicare side of retirement income.
Some life insurance policies include long-term care benefits, while others may no longer fit. Jon can identify the Medicare-related questions and coordinate with JK Financial when a specialist review makes sense.
BSN, RN · Licensed Independent Medicare Advisor · U.S. Army Veteran · Blue Springs, MO
I spent 13 years as a registered nurse — in neurology, surgical, hospice, and VA settings — before becoming an independent Medicare insurance advisor. I know what's at stake when coverage gaps appear at the worst possible moment. Whether you're turning 65 and comparing Medicare Supplement (Medigap) and Medicare Advantage plans for the first time, or you're already enrolled and wondering if you're on the right plan, I bring clinical precision to every conversation. I serve families across the Kansas City metro area and throughout Missouri — at no cost to you.
You have a 7-month Initial Enrollment Period — 3 months before your 65th birthday month, the month of your birthday, and 3 months after. Missing this window triggers a 10% permanent late enrollment penalty on your Part B premium for every 12-month period you were eligible but didn't enroll.
Medicare Supplement (also called Medigap) works alongside Original Medicare and pays most of your out-of-pocket costs. Medicare Advantage replaces Original Medicare with a private plan that often includes vision, dental, and drug coverage. The right choice depends on your health, your doctors, and your budget — that's exactly what we review together.
Nothing. My service is 100% free to you. Insurance carriers pay advisors a commission directly — you pay the exact same premium whether you enroll through me or on your own. There's no reason not to have an expert in your corner.
It depends on the size of your employer. If your employer has fewer than 20 employees, Medicare becomes your primary coverage at 65 and you should enroll. If it's 20 or more employees, you may be able to delay without penalty. This is one of the most common — and costly — areas of confusion. Let's talk through your specific situation.
Yes. I'm based in Blue Springs, MO and serve the entire Kansas City metro area including Independence, Lee's Summit, Overland Park, and surrounding communities. I also serve clients throughout Missouri by phone or video call.
Have a quick question about Medicare? Not sure if you need a full consultation? Send me a message and I'll get back to you within one business day — no obligation, no sales pitch.
Or schedule a call on Calendly →