What Kim Offers
Insurance Services
From Medicare to the ACA Marketplace, Kim helps you understand your options and choose the plan that fits your life — at no cost to you.
Medicare Insurance
Turning 65 or Already Enrolled?
Turning 65 or Already Enrolled?
Medicare Insurance
Medicare can feel overwhelming — but it doesn't have to be. Kim walks you through every part of Medicare so you can make confident, informed decisions about your health coverage.
- Medicare Part A — Hospital coverage explained
- Medicare Part B — Medical coverage & premiums
- Medicare Part C (Medicare Advantage) — All-in-one plans
- Medicare Part D — Prescription drug coverage
- Medicare Supplement (Medigap) — Filling the gaps
- Annual Enrollment Period guidance (Oct 15 – Dec 7)
- Special Enrollment Periods for qualifying life events
ACA Marketplace
Lost Coverage or Need a New Plan?
Lost Coverage or Need a New Plan?
ACA Marketplace
The Affordable Care Act Marketplace offers health plans for individuals and families who don't have employer-sponsored insurance. Kim helps you find the right plan and maximize your subsidies.
- Individual & family health plans
- Open Enrollment Period (Nov 1 – Jan 15)
- Special Enrollment Periods — job loss, marriage, new baby
- Premium tax credit & subsidy eligibility
- Bronze, Silver, Gold & Platinum plan comparisons
- Dental & vision add-ons
- Short-term coverage options
Hospital Indemnity
Extra Protection When You Need It Most
Extra Protection When You Need It Most
Hospital Indemnity
Even with good insurance, a hospital stay can leave you with unexpected out-of-pocket costs. Hospital Indemnity plans pay you directly — giving you cash to cover what your primary insurance doesn't.
- Daily cash benefit for hospital stays
- ICU & critical care coverage
- Surgical & outpatient procedure benefits
- Covers deductibles, copays & living expenses
- Works alongside Medicare or ACA plans
- No network restrictions — use any doctor
- Affordable monthly premiums
New to Medicare? Start Here.
Medicare 101
If you're approaching 65 or helping a loved one navigate Medicare for the first time, this is the place to start. Kim breaks it all down in plain language — no jargon, no pressure.
- When to enroll — and what happens if you miss the window
- Original Medicare vs. Medicare Advantage
- How Parts A, B, C & D work together
- Understanding your costs: premiums, deductibles & copays
- Avoiding late enrollment penalties
- Coordinating Medicare with employer coverage
- Free, no-obligation guidance every step of the way
No Cost. No Pressure.
Not Sure Which Plan Is Right for You?
Kim will walk you through your options in plain language — no jargon, no sales pressure. Just honest guidance from a licensed insurance agent, tailored to your situation.