DIAL: 83-FLETCHER ~ 833-538-2437
Medicare Plan Comparisons & Enrollment Services Nationwide
Click Each Carrier Tab See 2026 Plans & Official Site Info.
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Click On Each Carrier's Photo To See Their NEW 2026 Plans
All United Healthcare Plans
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, our Licensed Health Insurance Brokers are committed to offering a comprehensive range of health insurance solutions specifically designed to meet your unique needs. We specialize in helping you compare Medicare Advantage and Medigap Supplement plans side by side, allowing you to carefully consider the pros and cons of each option. Whether you're looking into a Medicare Advantage plan (Medicare Part C), a Medigap plan, Standalone dental, vision & hearing plans, an ACA Individual or Family plan, or life insurance, our dedicated team is ready to guide you through the selection process. We ensure you comprehend all associated costs, like the Medicare Part B Premium, and that you have access to your preferred doctors and specialists. Furthermore, we assist with Free enrollment and can help locate options that include Grocery Card benefits. Knowing when to sign up for Medicare is crucial; as an independent multi-state Medicare broker licensed in 26 states, we aim to provide you with peace of mind by ensuring you secure the right Medicare coverage for you and your loved ones. We proudly collaborate with top insurance providers such as UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare. Don’t miss out on our Free Medicare plan consultation for top insurance companies, where you can explore the best coverage options tailored for you.
CHECK OUT ALL THE NEW UNITED HEALTHCARE PLANS
FOR 2026
HERE:
https://www.planenroll.com/medicare/products?purl=Kerry-Fletcher
***FOR YOUR FREE MEDICARE GUIDE***
As well as other FREE helpful information!
*****CLICK HERE*****
https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Humana Medicare Health Plans
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, our Professional Medicare Insurance Consultants understand that each individual's needs are unique. This is why we offer to compare Medicare Advantage and Medigap Supplement plans side by side, providing a variety of comprehensive insurance coverage options tailored specifically to you, while targeting a $0.00/Mo. premium. We also provide valuable insights into various Life Insurance Policies, demonstrating how they can complement your Medicare coverage and ensure you have essential protections. Additionally, we help you understand the costs linked to these plans, such as the Medicare Part B Premium, and the benefits available through select Medicare Advantage options like Flex Benefits. If you have questions about what is Medicare Part C, our independent multi-state Medicare brokers, licensed in 26 states, are here to assist you in finding the best coverage that suits your lifestyle, doctors, and specific needs. Furthermore, we invite you to take advantage of our Free Medicare plan consultation for top insurance companies, including our role as a licensed broker for UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare, along with important information on when to sign up for Medicare.
CHECK OUT THE NEW HUMANA MEDICARE HEALTH PLANS
FOR 2026
HERE: https://www.planenroll.com/medicare/products?purl=Kerry-Fletcher
***FOR YOUR FREE MEDICARE GUIDE*** And other FREE helpful information! *****CLICK HERE***** https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Anthem BC/BS, Healthy Blue, Wellpoint, Simply Healthcare Medicare & Affordable Care Act Health Plans
Anthem BC/BS, Healthy Blue, Wellpoint, Simply Healthcare Medicare & Affordable Care Act Health Plans
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Navigating Medicare insurance and its coverage can often feel daunting. At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, we aim to simplify this experience for you. As your independent multi-state Medicare broker licensed in 26 states, our dedicated team provides personalized consultations tailored to your unique needs. We help you compare Medicare Advantage and Medigap supplements side by side through a detailed needs analysis, ensuring that your preferred doctors and specialists remain in-network. Moreover, we clarify the costs associated with various Medicare plans, including the Medicare Part B Premium, empowering you to make well-informed decisions regarding your insurance coverage and benefits. We also assist you in exploring Medicare Advantage options that might offer additional perks, such as a Grocery Card for everyday expenses like groceries, over-the-counter items, utility bills (including mobile phone payments), rent or mortgage payments, fuel for your vehicle, and even pet food for your beloved animals. Your 100% satisfaction is our top priority.
Discover the new Anthem Blue Cross/Blue Shield plans, including Healthy Blue options, WellPoint, and Simply Healthcare Medicare Advantage, as well as Affordable Care Act Individual & Family Plans for 2026 through these links:
CHECK OUT ALL THE NEW ANTHEM, HEALTHY BLUE & WELLPOINT
BLUE CROSS BLUE SHIELD HEALTH PLANS
FOR 2026
HERE:
https://agentsite.anthem.com/agentsite/ac/20821841
https://agentsite.healthyblueplans.com/agentsite/ac/20821841
https://agentsite.wellpoint.com/agentsite/ac/20821841
Check Out The New Simply Healthcare
& Affordable Care Act
Individual & Family Plans
For 2026
Here:
https://www.healthsherpa.com/?utm_source=hsmedicare&_agent_id=FFICSLLC
For access to your FREE Medicare plan consultation for top insurance companies, including those for UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare, don’t miss our FREE Introduction to Medicare Guide!
*****Click Here*****
https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Devoted Medicare Health Plans
All Highmark Blue Cross/Blue Shield Health Plans
Anthem BC/BS, Healthy Blue, Wellpoint, Simply Healthcare Medicare & Affordable Care Act Health Plans
At Fletcher Financial Insurance & Consulting Services, LLC in Columbus, OH, we believe that everyone deserves access to quality health insurance without the worry of cost. Our services include the opportunity to compare Medicare Advantage and Medigap supplements side by side, ensuring you find the best option for your needs. As an independent multi-state Medicare broker licensed in 26 states, our dedicated health insurance consultants work diligently to secure the most competitive plans tailored specifically to your requirements, so you don't have to compromise on coverage or benefits. If you’re seeking information about the Medicare Part B Premium or the specifics of Medicare Part C, we are here to help guide you through the details. Our commitment is to assist you in saving money while providing essential coverage that may include access to top doctors and even a Grocery Card for eligible plans. Let us help you locate the most comprehensive Medicare plan available to enhance your well-being. It’s crucial to consider the optimal time to sign up for Medicare to maximize your coverage. For those interested in a free Medicare plan consultation for top insurance companies, including options from UnitedHealthcare, Humana, Aetna, Devoted, and BlueCross BlueShield Wellcare, check out our offerings today.
CHECK OUT THE NEW DEVOTED HEALTH PLANS
MEDICARE PLANS
FOR 2026
HERE: https://www.planenroll.com/medicare/products?purl=Kerry-Fletcher
***FOR YOUR FREE MEDICARE GUIDE*** And other FREE helpful information! *****CLICK HERE***** https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Aetna Medicare Health Plans
All Highmark Blue Cross/Blue Shield Health Plans
All Highmark Blue Cross/Blue Shield Health Plans
At Fletcher Financial Insurance & Consulting Services, LLC in Columbus, OH, our Caring Health Insurance Consultants understand that individuals and businesses have unique insurance needs. As an independent multi-state Medicare broker licensed in 26 states, our dedicated agents are here to help you explore cost-effective Medicare options, including Medicare Advantage, Medigap supplements, and ACA (Affordable Care Act) personal/family and commercial insurance. We assist eligible clients in accessing valuable benefits like the Grocery Card. By thoroughly assessing your specific situation, we tailor a policy that meets your needs, allowing you to compare Medicare Advantage and Medigap supplements side by side and include your preferred doctors. If you're seeking information about Medicare Part B premiums or have questions such as what is Medicare Part C or when to sign up for Medicare, we are here to guide you. Reach out for your free Medicare plan consultation for top insurance companies, as we are licensed brokers for major providers, including UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare.
CHECK OUT THE NEW AETNA
MEDICARE HEALTH PLANS
FOR 2026
HERE:
https://app.thinkagent.com/ext?repid=20821841
***FOR YOUR FREE MEDICARE GUIDE***
And other FREE helpful information!
*****CLICK HERE*****
https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
All Highmark Blue Cross/Blue Shield Health Plans
All Highmark Blue Cross/Blue Shield Health Plans
All Highmark Blue Cross/Blue Shield Health Plans
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, we pride ourselves on offering personalized insurance support that you can rely on. Our dedicated agents are here to help you with any questions about Medicare, including how to compare Medicare Advantage and Medigap supplements side by side. We strive to ensure you find the right coverage that fits your needs and budget, even if the cost is $0.00. It's crucial to understand what Medicare Part C provides and to know when to sign up for Medicare to make informed decisions about your healthcare. The right coverage can help you maintain your doctors within the network and offers valuable benefits like a Grocery Card for added convenience. We're also here to assist you in exploring Medigap plans that can further support your healthcare needs. As an independent multi-state Medicare broker licensed in 26 states and a licensed broker for top insurance companies including UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare, we are committed to guiding you every step of the way in your insurance journey.
CHECK OUT ALL THE NEW HIGHMARK BC/BS PLANS
FOR 2026
HERE:
https://my.destinationrx.com/hub/s/SMT8BTMQA
***FOR YOUR FREE MEDICARE GUIDE***
As well as other FREE helpful information!
*****CLICK HERE*****
https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Molina Medicare, Medicaid & A.C.A HealthCare Plans
All Cigna/Healthspring Medicare/Medigap & Cigna Supplement Plans
All Cigna/Healthspring Medicare/Medigap & Cigna Supplement Plans
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, we are dedicated to making quality health insurance accessible to all. Our expert health insurance consultants can help you compare Medicare Advantage and Medigap Supplements side by side, simplifying the process of finding a variety of affordable plans, with some starting at just $0.00/mo. We offer personalized Medigap plans that suit your budget and lifestyle, providing peace of mind without the financial burden. Our knowledgeable team serves as your trusted resource, assisting you in exploring the diverse options available today, including plans that support your preferred doctors and feature added perks like a Grocery Card. If you want to learn more about the Medicare Part B Premium or the best time to sign up for Medicare, we are here to help.
Take advantage of our Free Medicare plan consultation for top insurance companies, as we are an independent multi-state Medicare broker licensed in 26 states, specializing in plans from UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare.
CHECK OUT THE NEW MOLINA HEALTHCARE MEDICARE & MEDICAID PLANS
FOR 2026
HERE: https://my.destinationrx.com/hub/s/SV6L5K5CA
To receive your Free Medicare guide and access additional valuable resources,
*****CLICK HERE*****: https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
All Cigna/Healthspring Medicare/Medigap & Cigna Supplement Plans
All Cigna/Healthspring Medicare/Medigap & Cigna Supplement Plans
All Cigna/Healthspring Medicare/Medigap & Cigna Supplement Plans
At Fletcher Financial Insurance & Consulting Services, LLC in Columbus, OH, our expert Medicare Insurance Consultants are committed to helping you compare Medicare Advantage and Medigap Supplements side by side. We aim to assist you in finding a health insurance plan tailored specifically to your unique needs. With a deep understanding of the differences between Medicare Advantage vs Original Medicare, we assess a variety of comprehensive coverage options to help you access essential medical care while managing costs, including navigating your Medicare Part B Premium. Whether you're looking for personal or family coverage, our knowledgeable independent multi-state Medicare brokers, licensed in 26 states, are here to guide you through the selection process, clarifying costs and how they might affect your choice of doctors. We also provide valuable information on available benefits, such as the Grocery Card that you may qualify for.
Take the first step towards peace of mind with our free Medicare plan consultation for top insurance companies, designed to meet all your specific needs!
Quick Note:
Cigna Healthcare Medicare is now HEALTHSPRING.
CHECK OUT THE NEW CIGNA HEALTHSPRING MEDICARE PLANS
FOR 2026
HERE:
https://my.destinationrx.com/hub/s/S0N5Z5S2A
If you are curious about what is Medicare Part C or when to sign up for Medicare, our licensed brokers for Cigna / Healthspring, UnitedHealthcare, Humana, Aetna, Devoted Health Plans, BlueCross BlueShield, Wellcare, Zing Health & Essence Healthcare can assist you in understanding all your options, including Medigap plans as well as Standalone Prescription drug Plans.
BROWSE THE NEW CIGNA HEALTHSPRING MEDICARE SUPPLEMENT PLANS
FOR 2026
***For your free Introduction to Medicare guide and other helpful free information!***
*****Click Here***** https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
CHECK OUT THE NEW CIGNA
REGULAR SUPPLEMENTAL PLANS
FOR 2026
HERE:
DISCOVER THE NEW CIGNA STANDALONE DENTAL PLANS
FOR 2026
HERE:
Wellcare Medicare Health Plans
All Cigna/Healthspring Medicare/Medigap & Cigna Supplement Plans
Essence HealthCare Medicare Plans
Health insurance can be both simple and affordable. At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, our highly trained licensed insurance consultants are dedicated to helping you make informed decisions about your health coverage. We assist you in ensuring your doctors are in-network by allowing you to compare Medicare Advantage and Medigap supplements side by side, tailored to fit any budget, even down to $0.00. Our expert team offers a free Medicare plan consultation for top insurance companies, ensuring that you have the essential coverage necessary for your health and well-being. We provide invaluable insights into the differences between Medicare Advantage and Original Medicare, often presenting cost-effective options for individuals. Our services also clarify the Medicare Part B premium and the advantages of Medigap plans. Additionally, explore the Wellcare Health Plans for 2026, which may include extra benefits like a Grocery Card to help with health-related expenses. If you’re wondering what Medicare Part C is or when to sign up for Medicare, we have the information you need. As an independent multi-state Medicare broker licensed in 26 states, we collaborate with top providers including UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare. Don't miss out on the new Wellcare Health Plans for 2026—
CHECK OUT THE NEW WELLCARE MEDICARE HEALTH PLANS
FOR 2026
HERE:
https://wellcare.isf.io/2026/g/4a66109773ec4980b52f1713f1534f8b?AgentCreditCode=20821841
For your FREE MEDICARE GUIDE and access to other FREE helpful information,
CLICK HERE: https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all.
Essence HealthCare Medicare Plans
Essence HealthCare Medicare Plans
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, we place our clients at the center of our mission. Our commitment is to building lasting relationships based on trust, transparency, and open communication. As an independent multi-state Medicare broker licensed in 26 states, we are dedicated to providing exceptional customer service and are always ready to address your Medicare inquiries. We offer the ability to compare Medicare Advantage and Medigap Supplements side by side, clarify the details of Medicare Part C, and explain the Medicare Part B Premium. Additionally, we assist you in identifying the best time to enroll in Medicare and help explore Medigap plans to maximize your benefits through our Grocery Card program. Discover the costs associated with your insurance options and experience the difference with Fletcher Financial Insurance & Consulting Services LLC today!
CHECK OUT THE NEW
ESSENCE HEALTHCARE PLANS
FOR 2026
HERE:
https://my.destinationrx.com/hub/s/S0N5Z5J4A
***FOR YOUR FREE MEDICARE GUIDE***
And other FREE helpful information!
*****CLICK HERE*****
https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Moreover, we provide a free Medicare plan consultation for top insurance companies such as UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare.
Zing Health Medicare Plans
Your health is your greatest asset, and at Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, we specialize in helping you compare Medicare Advantage and Medigap supplements side by side. Our dedicated team is committed to ensuring that you and your family remain protected with affordable health insurance plans. We guide you in making informed decisions about Medicare Advantage vs Original Medicare, Medicare Supplement, Individual, Family, or Group Plans, presenting tailored options that fit your specific needs and preferences. If you're curious about what is Medicare Part C or how Medigap plans can enhance your coverage, we’ve got the information you need. Many plans offer essential and maximum coverage, giving you access to an extensive network of doctors, both in and out of network. Additionally, some plans provide extra benefits, such as a Grocery Card to help manage everyday expenses. As the Medicare Part B Premium is a significant aspect of your healthcare budget, we ensure you are well-informed to begin your journey to better health today with the right coverage at an optimal cost.
Be sure to know when to sign up for Medicare to avoid any unnecessary penalties. For a free Medicare plan consultation for top insurance companies or to learn more about our role as an independent multi-state Medicare broker licensed in 26 states, don't hesitate to reach out. As a licensed broker for UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare, we are here to support you.
CHECK OUT THE NEW ZING HEALTH PLANS
FOR 2026
HERE: https://www.sunfirematrix.com/app/consumer/ember/?sfpath=zng&sfagid=20821841#/
***FOR YOUR FREE MEDICARE GUIDE***
And other FREE helpful information!
*****CLICK HERE*****
https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Affordable Care Act Individual & Family Plans
Protect your health with customized insurance solutions from Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, a trusted name among health insurance consultants. We recognize that every individual and family is unique, which is why our team works closely with you to assess your concerns and guide you in obtaining excellent or adequate ACA coverage tailored to meet your specific needs or those of your entire family. Whether you wish to compare Medicare Advantage and Medigap Supplements side by side, require Accident & Health coverage, or seek Life Insurance, we are here to help safeguard your future from unforeseen perils, including unexpected medical costs. As an independent multi-state Medicare broker licensed in 26 states, we offer a free Medicare plan consultation for top insurance companies, ensuring you understand all your options. Our expertise includes assisting you in navigating Medicare Part B Premium changes as they arise, helping you find the most suitable plan for your healthcare needs.
***IMPORTANT UPDATE***
The Affordable Care Act (ACA) market has undergone major changes in 2026, highlighted by higher premium prices, stricter eligibility rules, and a significant decline in enrollment since the expiration of enhanced subsidies and recent legislative adjustments.
Key Market Changes & Challenges
Soaring Premiums & Deductibles: Without expanded premium subsidies, average out-of-pocket premiums have surged by 58%, and deductibles have increased by 37%. Middle-income earners slightly above the subsidy limits have been hit hardest.
Plummeting Enrollment: Currently, around 19.2 million people are enrolled in ACA insurance, showing a decrease of 3 to 5 million participants from the previous year due to price increases and federal fraud crackdowns.
Major Legislative & Regulatory Shifts
Repayment Caps Eliminated: Previously, low-income enrollees had protections against repaying excess premium tax credits. These protections are now removed, meaning individuals may need to repay the full amount of any unearned financial assistance.
Immigrant Eligibility: New regulations now restrict premium tax credit eligibility for certain noncitizens. Only lawful permanent residents (green card holders) and specific authorized entrants qualify, while previously eligible groups, like refugees and asylees, now face limitations.
Special Enrollment Restrictions: The ongoing special enrollment period for low-income individuals earning under 150% of the Federal Poverty Level has been terminated unless they experience a standard qualifying life event.
Catastrophic Coverage Expansions: A hardship exemption has been introduced, allowing those who don’t qualify for income-based premium savings to purchase catastrophic plans if available in their area.
To explore your options for the remainder of 2026, you can visit https://www.healthsherpa.com/?_agent_id=FFICSLLC
our official portal to view current plans, check if you qualify for available exemptions, and estimate updated costs.
CHECK OUT THE NEW ANTHEM BLUE CROSS/BLUE SHIELD
(Including Healthy Blue Plans, Wellpoint, & Simply Healthcare) & ALL OTHER
(A.C.A) AFFORDABLE CARE ACT INDIVIDUAL & FAMILY PLANS
FOR ALL STATES
AVAILABLE IN 2026
HERE:
https://www.healthsherpa.com/?_agent_id=FFICSLLC
Anthem will still offer Affordable Care Act (ACA) Individual & Family Plans for 2026, featuring state-specific changes, such as joining the MyCare Ohio program and new Virtual Access Plus plans. It is crucial to update your Marketplace application with current income and household information since the end of COVID-19-era savings in late 2025 may impact eligibility and costs for 2026 plans. You can compare and enroll in Anthem's 2026 plans through the website below:
Key Things to Know for 2026
New Plan Options: Anthem is introducing new Virtual Access Plus plans featuring predictable costs by using copay-centric models, eliminating coinsurance uncertainty for members looking to budget their medical expenses. This includes considerations for Medicare Part B Premiums and how they relate to total healthcare costs.
Program Changes: In Ohio, Anthem will join the MyCare Ohio program, consolidating its offerings which may include access to preferred doctors and specialists.
Enrollment Guidance: Update your application on HealthCare.gov with your latest income and household information to ensure you can access the best plans, including those covering essential services and potentially a Grocery Card benefit for everyday expenses.
OR...
IF YOU ARE STARTING A NEW APPLICATION AND DO NOT ALREADY HAVE ANY PREVIOUS INFORMATION IN THE SYSTEM,
CLICK HERE:
https://www.healthsherpa.com/?_agent_id=FFICSLLC
TO START A NEW APPLICATION.
The end of temporary pandemic-era rules means your 2026 premium may change. If your income or household situation changes, it is important to update your application to avoid an estimated tax credit based on outdated information, as noted by HealthCare.gov.
For specific details and plan comparisons, visit the Anthem website or your state's official marketplace.
Plan Categories: Anthem offers a variety of plan categories, including Bronze, Silver, Gold, and Platinum, each with a different cost-sharing structure where the plan pays a certain percentage and you pay the rest. For instance, a Gold plan typically has you covering 20% of the costs while the plan pays 80%, according to Anthem's structure. These plans may also feature options for supplemental coverage like Medigap plans, which can enhance your healthcare security.
Important for Some Members: Anthem will discontinue its stand-alone Part D prescription drug plans in 2026. Members will need to seek alternative Part D plans, although prescription coverage remains included in Medicare Advantage and other comprehensive plans. Additionally, some Blue Cross Blue Shield plans will end coverage for certain weight-loss medications in 2026 to control costs, which may affect you depending on your location and plan, as reported by the Peterson-KFF Health System Tracker.
What to Do Now: Review your 2025 plan to ensure it still meets your needs in 2026, including whether it provides essential benefits like a Grocery Card to assist with daily costs. If you're curious about when to sign up for Medicare or need guidance on Medicare Part C options, update your 2026 application on HealthCare.gov to ensure premium tax credits are accurately calculated based on your current information.
Use the Anthem website here: https://www.healthsherpa.com/?_agent_id=FFICSLLC
to compare 2026 plans available in your area and find one that fits your health needs and budget. Enroll during the open enrollment period, which ends on different dates in accordance with your state.
Medicare Advantage VS Medicare Supplement: How To Decide
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Great Insurance Prepares You For Most Of Life's Challenges
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, we offer an excellent chance to compare Medicare Advantage and Medigap Supplements side by side through our free Medicare plan consultation for top insurance companies. Our team meticulously analyzes the leading carrier networks, including UnitedHealthcare, BlueCross BlueShield, Aetna, Humana, Devoted Health, Wellcare, Zing Health, and Essence Healthcare. This ensures that you receive the maximum benefits available in your area.
Navigating insurance can be daunting, especially when considering critical healthcare needs such as your doctors, specialists, out-of-pocket expenses, plan options, and available benefits.
Are you nearing 65 and have questions about Medicare? Or perhaps you've already reached that milestone with Medicare Parts A & B? If so, congratulations!
If you are a younger individual with a disability who only possesses Medicare Parts A & B, you might be exploring additional coverage and options not included in Original Medicare. Understanding how to compare Medicare Advantage and Medigap Supplements side by side is essential, as a Medicare Advantage or Medigap plan could provide vital coverage and benefits like cost savings, enhanced access to specialized care, and a Grocery Card program that offers a monthly or quarterly dollar amount on a debit card for groceries and other essentials.
For those interested in an Affordable Care Act (ACA) plan for individuals or families or wishing to secure your loved one's future with life insurance, Fletcher Financial Insurance & Consulting Services LLC, as an independent multi-state Medicare broker licensed in 26 states, provides comprehensive solutions tailored to you and your family from the most reputable insurance brokerage you can trust.
Since 1971, we've offered a wide array of health, supplemental, and life insurance options. Our services include free plan consulting, comparison, and enrollment for:
- Medicare Advantage Plans (M.A.) ~ Ext. 1
- Medicare Advantage Prescription Drug Plans (M.A.P.D.) ~ Ext. 1
- Standalone Prescription Drug Plans (P.D.P's.) ~ Ext. 2
- Medicare Supplement/Medigap Plans (Med. Supp.) ~ Ext. 3
- Regular Supplemental Plans (Reg. Supp.) ~ Ext. 4
- Standalone dental, vision & hearing plans (D.V.H.) ~ Ext. 5
- Affordable Care Act Individual & Family Plans (A.C.A.) ~ Ext. 6
- Various types of life insurance policies (LIFE) ~ Ext. 7
- Company General Mailbox ~ Ext. 8
- Company Directory ~ Ext. 9
For assistance, call us at 83-FLETCHER ~ 833-538-2437 or visit us at https://FletcherFinancial.Llc
This website is managed by Fletcher Financial Insurance & Consulting Services LLC, a licensed health insurance agency in Ohio
(LICENSE #'s ~ 1588588 & 1539561 ~ NPN's # ~ 21220782 & 20821841).
At Fletcher Financial Insurance & Consulting Services LLC, we are committed to providing comprehensive insurance solutions as an independent multi-state Medicare broker licensed in 26 states. Our goal is to ensure that you and your family receive the benefits you deserve, whether you live in Columbus, Ohio, or any of the other states we serve.
Don't forget to follow our Facebook/Meta page for updates.
We are professionally licensed in the following states: OH, AL, AR, AZ, CA, FL, GA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, NJ, NM, NY, OK, PA, SC, TN, TX, and VA.
*****FREE MEDICARE/MEDIGAP HEALTH INSURANCE PLAN CONSULTATION LINK*****
https://www.planenroll.com/quick-profile?purl=Kerry-Fletcher#personalInformation
****MEDICARE/MEDIGAP REQUIRED DISCLOSURE****
Please be aware that we do not provide every plan available in your area. Currently, we represent 15 organizations that offer a total of 2,352 products in your vicinity. For detailed information on all options, including the Medicare Part B Premium, feel free to reach out to Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).
Fletcher Financial Insurance and Consulting Services LLC, also known as F.F.I.C.S, LLC and Fletcher Accident & Health Insurance Agency (in California), are not connected with or endorsed by the U.S. Government or The Federal Medicare Program.
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What Does AEP Mean?
AEP, or The Annual Enrollment Period for Medicare, is a crucial yearly window that takes place from October 15th to December 7th. During this time, Medicare beneficiaries can evaluate their current plans and choose to switch to a new Medicare Advantage (Medicare Part C) plan or revert to Original Medicare. At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, our experienced team is available to help you explore various options, including plans with $0.00 monthly premiums and additional benefits such as a Grocery Card for over-the-counter items. Throughout AEP, you can transition between Original Medicare and Medicare Advantage, compare Medicare Advantage and Medigap Supplements side by side to determine the best fit, evaluate different Medicare Part D drug plans for prescription coverage, or select a Medicare Advantage plan that aligns with your budget and healthcare needs. Changes made during this period will take effect on January 1st of the following year.
What you can do during AEP:
- Enroll in a new Medicare Advantage plan or return to Original Medicare, thoughtfully considering the pros and cons of Medicare Advantage vs. Original Medicare.
- Switch to another Medicare Advantage plan that may better meet your cost and coverage requirements.
- Change or enroll in a Medicare Part D plan to meet your prescription medication needs.
- Compare Medicare Advantage and Medigap Supplements side by side to find the best option for you.
- Review your existing coverage to ensure it aligns with your health and financial needs for the coming year. Take advantage of our FREE Medicare plan consultation for top insurance companies, all at NO OUT-OF-POCKET COST TO YOU, thanks to our Medicare insurance professionals at Fletcher Financial Insurance & Consulting Services LLC.
Key Dates:
- October 15th: Start your plan review and make necessary adjustments.
- December 7th: Final deadline to modify your Medicare Advantage or Part D plans.
- January 1st: Your new coverage officially begins.
Why AEP is important:
Each year, the details about Medicare Advantage and Part D plans may change concerning their costs, benefits, and provider networks for doctors and specialists. AEP offers a vital opportunity to assess if your current plan still meets your needs or if an alternative plan could be more beneficial. It is also an excellent time to stay informed about Medicare Part B Premiums and Medigap plans that could supplement your Original Medicare coverage, simplifying your decision-making process.
At Fletcher Financial Insurance & Consulting Services LLC, we pride ourselves on being an independent multi-state Medicare broker licensed in 26 states. Our team provides expert insights on when to enroll in Medicare, featuring a licensed broker for UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare, dedicated to assisting you.
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#FletcherCARES
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#FletcherFinancial1971
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What Does OEP Mean?
In Medicare, 'OEP' refers to 'The Open Enrollment Period,' specifically known as the 'Medicare Advantage Open Enrollment Period.' This vital timeframe allows individuals currently enrolled in a Medicare Advantage plan (under Medicare Part C) to switch to another Medicare Advantage plan or revert to Original Medicare (Medicare Parts A & B). The OEP takes place annually from January 1st to March 31st. At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, our experienced independent multi-state Medicare brokers, licensed in 26 states, emphasize the importance of understanding the Open Enrollment Period for effective plan management. This is particularly crucial when evaluating costs such as the Medicare Part B premium and assessing the availability of doctors and specialists.
Key points about the OEP include:
Who can use it:
People currently enrolled in a Medicare Advantage plan.
What you can do during OEP:
During this period, you can switch to a different Medicare Advantage plan or return to Original Medicare, with the option to enroll in a standalone Medicare Part D prescription drug plan, which may involve additional costs. If you choose to return to Original Medicare, consider exploring Medigap plans to help manage extra out-of-pocket expenses.
When it happens:
Typically from January 1st to March 31st of each year.
The OEP, or Medicare Advantage Open Enrollment Period, presents an annual opportunity for current Medicare Advantage plan members to change their plans or revert to Original Medicare, with or without a drug plan. For 2026, this period will again run from January 1 through March 31. Additionally, there is a broader 'Medicare Annual Enrollment Period' (AEP) from October 15th to December 7th, during which most Medicare beneficiaries can make plan changes set to take effect on January 1st of the following year, including updates regarding grocery card benefits.
What is the Medicare Advantage OEP?
Who it’s for:
Individuals already enrolled in a Medicare Advantage plan (Part C).
What you can do:
- Switch to a different Medicare Advantage plan.
- Drop your Medicare Advantage plan and return to Original Medicare. If you opt to return to Original Medicare, you can also enroll in a Medicare Part D prescription drug plan to assist with medication costs.
When it is:
January 1st to March 31st of each year.
Key things to remember:
- You cannot switch from Original Medicare to a Medicare Advantage plan during this OEP; that change must wait for the Annual Enrollment Period.
- Changes made during the Annual Enrollment Period (October 15th - December 7th) will take effect January 1st of the following year.
For personalized assistance, including the opportunity to compare Medicare Advantage and Medigap supplements side by side, reach out to Fletcher Financial Insurance & Consulting Services LLC. Our licensed brokers for UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare can provide guidance on navigating these critical periods and help you understand your options. We also help you consider important factors regarding Medicare Advantage vs. Original Medicare, benefit availability, and related costs. Additionally, we offer a free Medicare plan consultation for top insurance companies.
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Well...What's the Difference?
How is the Medicare Advantage "Open Enrollment Period" (OEP) Different From the Medicare "Annual Enrollment Period" (AEP)?
The primary distinction between the Medicare Advantage Open Enrollment Period and the Medicare Annual Enrollment Period lies in who can take advantage of each period. During the Medicare Annual Enrollment, any eligible individual for Medicare can make coverage changes. This includes the option to enroll in a Medicare Advantage plan, switch between Medicare Advantage plans, or compare Medicare Advantage and Medigap Supplements side by side for the upcoming year. In contrast, the Medicare Advantage Open Enrollment is designed specifically for individuals currently enrolled in a Medicare Advantage plan.
Timing is another key difference. The Medicare Annual Enrollment runs from October 15th to December 7th, while the Medicare Advantage Open Enrollment occurs from January 1st to March 31st. Both periods are essential for effectively managing healthcare costs, including considerations around the Medicare Part B Premium.
The Medicare Annual Enrollment Period (AEP), which takes place from October 15th to December 7th, allows anyone eligible for Medicare to switch between various plans. This includes enrolling in a Medicare Advantage plan, changing Part D plans, or reverting to Original Medicare. These choices are crucial for accessing preferred doctors and keeping healthcare expenses manageable, especially for those exploring options with Medigap plans.
In contrast, the Medicare Advantage Open Enrollment Period (MA-OEP), lasting from January 1st to March 31st, is specifically tailored for current Medicare Advantage enrollees. During this time, they can make one important change—switching to another Medicare Advantage plan or deciding to return to Original Medicare while also considering the addition of a Part D plan. At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, our experienced licensed insurance consultants are here to help you navigate these options with ease. We offer a Free Medicare plan consultation for top insurance companies and provide information on the Grocery Card program, which can assist with managing costs for groceries, over-the-counter items, and utility bills.
**Medicare AEP ~ ANNUAL ENROLLMENT PERIOD (October 15th – December 7th)**
**Who can change plans?**
Everyone eligible for Medicare.
**What changes can be made?**
You have the option to enroll in or disenroll from a Medicare Advantage plan, switch between Medicare Advantage plans, join, drop, or switch Part D prescription drug plans, and transition from Original Medicare to Medicare Advantage or back to Original Medicare.
**Key feature:**
Broad changes and multiple adjustments are allowed, significantly impacting your costs and access to doctors.
**Medicare OEP or MA OEP ~ MEDICARE ADVANTAGE OPEN ENROLLMENT PERIOD (January 1st – March 31st)**
**Who can change plans?**
Only individuals currently enrolled in a Medicare Advantage plan.
**What changes can be made?**
You can make one change by either switching to another Medicare Advantage plan or dropping your current Medicare Advantage plan to return to Original Medicare.
**Key feature:**
This period is more limited for those with Medicare Advantage, allowing them to rectify a plan that does not meet their needs!
**In Summary:**
The AEP is open to everyone and offers a broad range of changes that can significantly influence costs and access to doctors. Conversely, the MA OEP is specifically for current Medicare Advantage members, who can make one adjustment to their plan or leave Medicare Advantage altogether. This information is essential for anyone considering when to sign up for Medicare. As an independent multi-state Medicare broker licensed in 26 states, we are here to guide you through options for plans from UnitedHealthcare, Humana, Aetna, Devoted, Cigna Healthspring, BlueCross BlueShield, and Wellcare.
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ARE PRESCRIPTIONS & OTHER NECESSARY HEALTH RELATED COSTS DECREASING YOUR CHECKING & SAVINGS ACCOUNTS?
Discover if you qualify for a $0.00/month Medicare Advantage Prescription Drug Plan (MAPD) today! Many Medicare Advantage plans not only offer prescription drug coverage with $0.00 out of pocket for most medications but also enhance healthcare affordability compared to Original Medicare.
Most of these plans include essential benefits such as:
- **Dental Coverage** for routine cleanings, maintenance, implants, crowns, bridges, and dentures.
- **Vision Coverage** which covers eyeglasses (lenses and frames), offering no-cost upgrades like transitional lenses that tint automatically, anti-glare and anti-scratch options, and no-line bifocal and trifocal lenses. Some plans might also provide coverage for contacts, including disposable and permanent options.
- **Hearing Coverage** that includes routine hearing exams and hearing aids to keep you connected.
- **Flex Benefits**, such as a Grocery Card for purchasing groceries for you and your family or over-the-counter items at retailers like Kroger, Walmart, CVS, or Walgreens. Essentials like toothpaste, deodorant, band-aids, paper towels, soaps, and shampoos typically have to be paid out of pocket but can be covered here.
These Flex Cards can also help manage utility payments, including electric, natural gas, and water bills, alongside your monthly mobile phone service. In certain plans, benefits may assist with rent or mortgage payments and allow for pay-at-the-pump options for gasoline. Some even extend Flex Benefits to pet food, catering to your furry family members!
***Ask us how to get reimbursed for your required Medicare Part B Premium of $202.90 for 2026!***
The standard monthly Medicare Part B premium is set at $202.90, reflecting a $17.90 increase from 2025. Individuals exceeding a modified adjusted gross income threshold may face higher premiums. The annual Part B deductible will rise to $283 for 2026, increasing by $26 from the previous year.
- Standard Premium: $202.90 per month.
- Annual Deductible: $283.
- Income-Related Adjustment: Higher premiums apply for individuals with incomes above $109,001 or $218,001 for joint filers based on their 2024 tax return.
For detailed information, visit the CMS.gov newsroom fact-sheet report here: https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles#:~:text=Each%20year%2C%20the%20Medicare%20Part,immunosuppressive%20drug%20premium%20is%20$121.60.
If you are considering when to sign up for Medicare or seeking specialized guidance, such as how to compare Medicare Advantage and Medigap Supplements side by side, reach out to your trusted health insurance brokers at Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH today.
Dial: 83-FLETCHER ~ 833-538-2437 or click here to compare all available Medicare Advantage plans, Prescription Drug Plans, Dual Special Needs Plans, options, and benefits in your area at absolutely no cost: https://www.planenroll.com/medicare-guided?purl=Kerry-Fletcher#location
*Please enter your residential zip code to get started.*
Additionally, tap the 'Get Synced' button to begin connecting with one of our licensed insurance professionals, who will inform you of all the available options and benefits at no cost. As an independent multi-state Medicare broker licensed in 26 states, we also provide a free Medicare plan consultation for top insurance companies like UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare.
Once your information is entered into our system, we can help you maximize the benefits of your current Medicare Advantage plan or assist you in finding a new plan that better fits your healthcare needs! "Getting synced" and inputting your information **will not** automatically enroll you in a new plan **nor** change your existing plan or coverages!
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Why So Many Have Chosen Fletcher Financial ~ The Top Choice
Fletcher Financial Insurance & Consulting Services, LLC. ~ The Beneficiary's #1 Top Choice When It Comes To Choosing The Right Medicare, Medigap Or Standalone Dental-Vision & Hearing Plan!
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, we provide a transparent COMPLETELY FREE service for Medicare beneficiaries to compare Medicare Advantage and Medigap Supplement plans side by side through our free Medicare plan consultation from all the top insurance carriers as well as ones you may not be that familiar with.
Our team meticulously analyzes the leading carrier networks, including UnitedHealthcare, BlueCross BlueShield, Aetna, Humana, Devoted Health, Wellcare, Cigna, now known as Healthspring, Zing Health, and Essence Healthcare. This ensures that you receive the maximum benefits available in your area.
Navigating insurance can be daunting, especially when considering critical healthcare needs such as your doctors, specialists, out-of-pocket expenses, plan options, and available benefits.
Are you nearing 65 and have questions about Medicare? If so, a big Congratulations and Happy Birthday to You! Or, perhaps you've already reached that milestone, have Medicare Parts A & B, and are looking for coverage that Original Medicare doesn't cover, like dental, vision, hearing and flex benefits like a grocery & over-the-counter items card.
If you are a younger individual or someone receiving SSDI (Social Security Disability Insurance) with a disability who only possesses Medicare Parts A & B, you might be exploring additional coverages and options not included in Original Medicare. No worries. We got you covered!
Understanding how to compare Medicare Advantage and Medigap Supplements side by side is very essential. A Medicare Advantage plan or a Medigap plan could provide vital coverages and benefits like out-of-pocket cost savings, enhanced access to specialized care, and a Grocery Card program that offers a monthly or quarterly dollar amount on a debit card for groceries, utilities, over-the-counter items, pay-at-the-pump for gasoline, rent & mortgage payments and other essentials. In some cases, even pet food for your fur baby!
For those interested in an (A.C.A.), Affordable Care Act plan for individuals and families OR wishing to secure your loved one's future with life insurance, Fletcher Financial Insurance & Consulting Services, LLC, as an independent multi-state Accident, Health & Life Insurance broker licensed in 26 states, provides the right comprehensive solutions tailored to you and your family's specific needs, noted as one of the most reputable insurance brokerages you can trust.
Since 1971, we've contracted with a wide variety of accident, health, supplemental, and life insurance carriers and their products.
Our services include FREE Plan Consulting, FREE Plan Comparisons, and FREE Plan Enrollment platforms for:
- Medicare Advantage Plans (M.A.) ~ Ext. 1
- Medicare Advantage Prescription Drug Plans (M.A.P.D.) ~ Ext. 1
- Standalone Prescription Drug Plans (P.D.P's.) ~ Ext. 2
- Medicare Supplement/Medigap Plans (Med. Supp.) ~ Ext. 3
- Regular Supplemental Plans (Reg. Supp.) ~ Ext. 4
- Standalone Dental, Vision & Hearing Plans (D.V.H.) ~ Ext. 5
- Affordable Care Act Individual & Family Plans (A.C.A.) ~ Ext. 6
- Various Types of Life Insurance Policies (LIFE) ~ Ext. 7
- Company General Mailbox ~ Ext. 8
- Company Directory ~ Ext. 9
For assistance, call us at 83-FLETCHER ~ 833-538-2437 or visit us at https://FletcherFinancial.Llc.
This website is managed by Fletcher Financial Insurance & Consulting Services LLC, a licensed health insurance agency in the State of Ohio.
(LICENSE #'s ~ 1588588 & 1539561 ~ NPN's # ~ 21220782 & 20821841).
At Fletcher Financial Insurance & Consulting Services LLC, we are committed to providing comprehensive insurance solutions as an independent multi-state Medicare broker licensed in 26 states. Our goal is to ensure that you and your family receive the coverages & benefits you deserve, whether you live in Columbus, Ohio, or any of the other states we serve.
Don't forget to follow our Facebook/Meta Page for updates.
We are professionally licensed in the following states: OH, AL, AR, AZ, CA, FL, GA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, NJ, NM, NY, OK, PA, SC, TN, TX, and VA.
*****FREE HEALTH INSURANCE PLAN CONSULTATION LINK*****
https://www.planenroll.com/quick-profile?purl=Kerry-Fletcher#personalInformation
****MEDICARE ONLY REQUIRED DISCLOSURE****
Please be aware that we do not provide every plan available in your area. Currently, we represent 15 organizations that offer a total of 2,352 products in your vicinity. For detailed information on all options, including the Medicare Part B Premium, feel free to reach out to Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).
Fletcher Financial Insurance and Consulting Services LLC, also known as F.F.I.C.S, LLC. and Fletcher Accident & Health Insurance Agency
(in California), are not connected with or endorsed by the U.S. Government or The Federal Medicare Program.
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More Reasons To Choose Fletcher Financial Insurance & Consulting Services, LLC?
Fletcher Financial Insurance & Consulting Services, LLC is a Nationwide Accident, Health, and Life Insurance Brokerage That Provides Consumers With FREE Health & Life Plan Consultations, FREE Plan Comparisons, as Well as FREE Plan Enrollment Services.
Established in 1971, our firm represents multiple insurance carriers and their products and have built long-lasting carrier/broker/client/beneficiary relationships based on transparent, honest advice and recommendations tailored to an individuals specific needs.
Choosing our brokerage over alternative options or agents yields several primary benefits:
Independent Broker Advantage
- Broad Carrier Access: As a broker rather than a captive agent, we contract with a wide variety of carriers and their products to provide an extensive selection of choices.
- Unbiased Comparisons: We offer objective plan comparisons focused entirely on your coverage requirements and personal needs.
- Client-First Mentality: Our service prioritizes the exact coverage needed for life and health plan beneficiaries rather than maximizing a single-company's profit margins.
Flexible Financial Options
- Budget-Friendly Care: Our Consultants & Brokers explicitly work with plans designed to fit a beneficiary's financial constraints, even finding outstanding options with a $0.00 monthly premium, plenty of coverages and included benefits.
- Zero-Cost Services: Our Plan consulting, comparison, and system plan enrollment services are offered ENTIRELY FREE OF CHARGE to consumers.
- Maximize Savings: Our Advisors actively help minimize out-of-pocket costs to the beneficiary and secure maximum eligible health care benefits, including Flex Benefits such as a Grocery Card.
Comprehensive Plan Variety
- Medicare/Medigap Navigation: We provide Specialized initial and ongoing support to the beneficiary when selecting Medicare Advantage Plans (M.A.), Medicare Advantage Prescription Drug Plans (M.A.P.D.), and Medicare Supplement/Medigap (MED. SUPP.) coverage.
- All-in-One Bundles: We help to guide beneficiaries towards their interest in the right plans for them featuring:
- A $0.00 Monthly Premium
- $0.00 Prescription Drug Coverage (coverage may vary depending on the prescription)
- $0.00 Co-Pay/Co-Insurance Payments for Primary Care Physician/Family Doctors & Specialists, as Well as Your Favorite Nurse Practitioners
- $0.00 Silver Sneaker Fitness Access and Valuable
- Flex Benefits in the form of a debit card which can be used for essentials like buying groceries, utility bill payments (Including Mobile Phone Bills), purchasing over-the-counter items & wellness products, rent or mortgage payments, pay-at-the-pump for gasoline and in some cases, even to purchase pet food for your extended furry family member.
- Diverse Coverage Suites: Beyond Medicare Advantage & Medigap, we can consult, compare and enroll individuals into Regular Supplement Plans, such as a Standalone Dental, Vision, and Hearing Plans (D.V.H.), Dental Only Plans (DENT.), Standalone Prescription Drug Plans (P.D.P's), various types of Life Insurance policies, and Affordable Care Act Individual & Family Plans. (A.C.A.)
Regulatory and Service Footprint
- Multi-State Licensing: Operating as a licensed brokerage out of Columbus, Ohio, our firm holds the legal authority to issue insurance across 26 different U.S. states.
- Network Retention: Our Highly trained, licensed & certified brokers evaluate individual plan networks to ensure your preferred family doctors and specialists remain in-network.
- Long Standing Longevity: Leveraging over five decades of marketplace experience, we help individuals seamlessly avoid common, costly enrollment errors.
At Fletcher Financial Insurance & Consulting Services LLC, we take pride in being an independent multi-state Medicare broker licensed in 26 states.
Our team offers professional insights on when to enroll in Medicare, Medicare Advantage or Medigap and are the #1 premier contracted licensed brokers for UnitedHealthcare, Humana, Aetna, Devoted Health Plans, BlueCross BlueShield, Cigna (Now Called Healthspring), Wellcare, Zing Health & Essence Healthcare. We are completely dedicated to assisting you not as a number then forget about you once enrollment is complete, but more like taking good care of a family member for the long run.
If you are looking to review your coverage options, please let us know:
- What type of plan or policy you are interested in?
- Example: Medicare, Medigap, Dental-Vision & Hearing, A.C.A. Individual or Family, or Life Insurance)?
- Which State do you reside in to verify local carrier availability?
- If you are looking for a specific $0.00/mo. premium plan or an existing list of your preferred doctors & specialists?
We can provide more targeted details based on your situation.
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Our Client/Beneficiary-Centric Approach!
A Client and Beneficiary-Centric Approach For Fletcher Financial Insurance & Consulting Services, LLC Focuses On Putting People Over Profits, Prioritizing An Individualized Needs Analysis, And Simplifying The Complex Landscape Of Health And Life Insurance.
Included in our core operational philosophy, this strategy ensures that the coverages and benefits selected in a plan matches the beneficiary's distinct life situation rather than corporate metrics.
Our Core Client/Beneficiary-Centric Pillars
- Active Listening & Needs Analysis: Our broker Consultations begin with an intensive discovery process to understand your health history, doctors & specialists needs, prescriptions to be covered, benefits needed budgetary limits, and healthcare goals.
- The Power of Choice: Our brokers map out the landscape across over 15+ distinct insurance carriers offering over 2,352 products while comparing ALL available customized options tailored towards your specific needs.
- Final Decision Autonomy: Next, we present the compiled factual data clearly, leaving the ultimate choice Completely in the hands of the client or beneficiary.
- Education and De-Mystification: Our Agent/Brokers break down complex cost breakdowns (M.O.O.P.) Maximum Out Of Pocket Costs and structural coverage differences between plans, options, coverages and perk benefits, so that beneficiary/client fully comprehends what they are enrolling in.
- Building Long-Term Relationships: From there, the focus shifts away from the plan/policy enrollment stage towards a multi-year ongoing support system via calls, text messages through our secure portal and quarterly e-mails to identify and accommodate any changes in a beneficiary's health & life circumstances and make adjustments as necessary.
Step-by-Step Implementation of the Consultation Process
[Step 1: Beneficiary/Client Thorough Needs Analysis]
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[Step 2: Custom Multi-Plan Mapping/Comparisons]
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[Step 3: Transparent Plan Option/Benefits and Cost Disclosure]
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[Step 4: Autonomous Beneficiary/Client Choice & Enrollment]
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[Step 5: Post-Enrollment Ongoing Support & Check-Ins]
1. Holistic Needs Discovery
Our brokers also perform comprehensive Personal Health Risk Assessments (HRA's) by asking questions and actively listening to specific medical answers, personal medical demands or needs, any medication requirements, and any medical & health boundaries before & after enrolling in any specific plan.
2. Multi-Carrier Market Matching
Because Fletcher Financial Insurance & Consulting Services, LLC. functions as a contracted, licensed independent brokerage in 26 States, our brokers sweep through a massive catalog of competitive health options and benefits to pinpoint specific plans that cover your exact network of doctors & specialists, as well as any benefit perks that may make your life a bit less stressful.
3. Transparent Side-by-Side Comparisons
Our Brokers clear up the structural confusion between major path choices like Medicare Supplement vs Medicare Advantage. We lay out Every Possible Underlying Variable:
- Monthly Premiums: We find options that MINIMIZE Your Maximum Out-Of-Pocket Costs. (M.O.O.P.) Even If Your Budget Is $0.00
- Co-Pays, Co-Insurances & Deductibles: We Outline precise costs via dollar amounts and/or percentages so there are no surprises during your medical visits.
- Value-Added Benefits: We also spotlight all available extra perks built into plans, like specialized grocery and over-the-counter items cards that can be used to buy groceries, over-the-counter items, help to pay your utilities including your mobile phone bill, help to pay your rent or mortgage payments, pay-at-the-pump for gasoline and in some cases, to purchase pet food for your furry or not-so-furry extended family member. Also, any wellness incentives like a Home Health Ade, chiropractor, assistive devices etc.
4. Empowered Final Selection
Our broker's primary duty is to inform and advise, Never to Pressure! Clients & beneficiaries are given complete ownership over selecting the strategy that fits their household needs and their health security requirements.
5. Continuous Lifecycle Advocacy
The relationship between Fletcher Financial Insurance & Consulting Services, LLC. & You, continues long after enrollment. Our brokerage provides live-person customer support (Not AI) during normal business hours to assist beneficiaries and clients as they utilize their plans, need to dispute any unexpected plan issues as well as adapt to plan changes initiated by the carrier, by changing or modifying a plan during Annual Enrollment Period (AEP) or The Open Enrollment Period (OEP) cycles.
For personalized assistance, including the opportunity to compare Medicare Advantage, Medigap or a Standalone Dental-Vision & Hearing plan side by side, reach out to Fletcher Financial Insurance & Consulting Services, LLC. Our independent multi-state Medicare brokers, contracted and licensed in 26 states, can provide comprehensive guidance on navigating these critical periods and help you understand your options.
We also help you consider important factors regarding Medicare Advantage vs Original Medicare, benefit availability, and any related costs.
Additionally, we offer a FREE Medicare, Medigap or Standalone Dental-Vision & Hearing plan consultation from all the top insurance carriers as well as insurance carriers you may not have heard of who also have outstanding products and services, including UnitedHealthcare, Humana, Aetna, Devoted Health Plans, BlueCross BlueShield, Cigna (Now Known as Healthspring, Wellcare, Essence Healthcare and Zing Health.
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TRUSTED BY MANY ~ OUR INTEGRITY IS PARAMOUNT
See Our A+ Rating With The BBB
Integrity Definition:
Integrity embodies a steadfast commitment to strong moral and ethical principles, characterized by consistently honest behavior and doing the right thing—even when no one is watching!
The term originates from the Latin word 'integer,' meaning 'whole' or 'complete,' which mirrors a state where an individual's actions align seamlessly with their values.
**Key Aspects of Integrity**
Honesty and Trustworthiness:
This entails a refusal to lie, cheat, or deceive, establishing yourself as a dependable individual that others can trust.
Consistency:
Individuals and brokerages exhibiting integrity act in accordance with their moral compass, regardless of external pressures, temptations, or whether they are in public or private settings.
Wholeness:
As suggested by its Latin roots, wholeness denotes internal coherence—possessing a unified sense of self where your values and behaviors are aligned.
At Fletcher Financial Insurance & Consulting Services LLC in Columbus, OH, integrity is certainly central to our mission. As an independent multi-state Medicare broker licensed in 26 states, we are committed to providing honest solutions and creating a trusted platform that clients can depend on, especially when faced with challenges and particularly when no one is watching!
Our dedication to integrity is vital as we assist clients in navigating options like Medicare. We compare Medicare Advantage and Medigap supplements side by side, ensuring our clients grasp the differences between these plans while offering a free Medicare plan consultation for top insurance companies. We keep our clients informed about the Medicare Part B Premium and the right time to enroll in Medicare.
We ensure our clients and beneficiaries are well-informed regarding associated costs—this includes the potential for $0.00 monthly premiums for numerous plans. Additionally, we aid beneficiaries in maintaining their preferred doctors and specialists within their networks, ensure their prescription drugs are covered, and help them secure flexible benefits such as a Grocery Card, usable for groceries, over-the-counter items, utility bills including mobile phone payments, rent or mortgage expenses, fueling their vehicles, and even for pet food for their beloved furry family members. Our licensed brokers for UnitedHealthcare, Humana, Aetna, Devoted, BlueCross BlueShield, and Wellcare are here to support you with your Medicare decisions, ensuring integrity and expertise throughout the entire process.