Medicare Options with a Local Broker in Stuart - KMH Senior Insurance - Agents & Brokers

KMH Senior Insurance is a dedicated Medicare agency located in Stuart and specializing in providing personalized guidance to seniors. We understand that navigating the complexities of Medicare can be overwhelming.

  • Explore all available Medicare Options

  • Find Coverage that Best Fits your needs

  • Meet One-on-One with a Local Medicare Problem Solver.

Navigating Medicare Can Be Complicated. We Make It Simple.

At KMH Senior Insurance our mission is to replace confusion with confidence. We understand that choosing the right Medicare plan is one of the most important decisions you'll make for your health and financial well-being. As independent, local brokers right here in Stuart or Palm City, we don't work for an insurance company—we work for you. We take the time to listen to your needs, answer your questions in plain English, and help you find a plan that truly fits your life.

Our commitment to you is built on Four simple pillars:

  • Personalized Guidance: We start by understanding your specific health needs, your preferred doctors, and your budget.

  • Unbiased Comparisons: We compare plans from all the top-rated insurance carriers to find your best possible coverage and value.

  • Clear Explanations: We break down the complicated jargon of co-pays, networks, and deductibles so you can feel 100% confident in your choice.

  • Year-Round Support: Our relationship doesn't end at enrollment. We're your dedicated partner for any questions or issues that arise throughout the year.

Your Partner in Navigating Health Plan Challenges

Our commitment to you doesn't end after you choose a plan. When you face a challenge—like a denied claim or a coverage dispute—we are here to stand by your side. You have the right to appeal any decision made by your insurance plan, and we can provide the guidance and support you need during that process.

We Can Help You

  • Understand the Appeals Process: We'll explain the steps in simple terms so you know what to expect.

  • Review Your Case: We can help you gather the right information and understand the reason for the denial.

  • Ensure Your Voice is Heard: We act as your advocate, helping you navigate the system to get a fair review of your case.

Your Partner in Navigating Health Plan Challenges

Our commitment to you doesn't end after you choose a plan. When you face a challenge—like a denied claim or a coverage dispute—we are here to stand by your side. You have the right to appeal any decision made by your insurance plan, and we can provide the guidance and support you need during that process.

We Can Help You

  • Understand the Appeals Process: We'll explain the steps in simple terms so you know what to expect.

  • Review Your Case: We can help you gather the right information and understand the reason for the denial.

  • Ensure Your Voice is Heard: We act as your advocate, helping you navigate the system to get a fair review of your case.

Call Today

TESTIMONIALS

CUSTOMER REVIEWS

FAQS

What is Medicare Part D prescription drug coverage?

Medicare Part D is optional prescription drug coverage that helps pay for brand-name and generic prescription drugs at participating pharmacies in your area. In Stuart or Palm City, we help you find plans that cover your specific medications while minimizing your out-of-pocket costs.

How do I know if my medications are covered in Stuart or Palm City?

Yes, at KMH Senior Insurance, we take pride in helping people find out those exact questions. Every Medicare Prescription Drug Plan (Part D) and Medicare Advantage Plan with drug coverage (Part C) has a formulary, which is a list of all the prescription drugs it covers. This list can change from year to year and even during the year, though plans must notify you if a change affects a drug you take. Most formularies organize drugs into different tiers, with each tier corresponding to a different cost.

When can I enroll in Medicare prescription drug coverage?

Initial Enrollment Period (IEP)

This is your first chance to sign up for Medicare Part D. It's a 7-month window

Annual Enrollment Period (AEP)

Also known as the Open Enrollment Period, this happens every year and is when most people make changes to their Medicare plans.

Special Enrollment Periods (SEPs)

You may be eligible for a Special Enrollment Period if you experience certain life events. These events allow you to enroll or change your Part D plan outside of the standard enrollment periods. Some common qualifying events include

MY TEAM

Karen Hodum


As an agent, I’m proud to be part of the VRM Insurance Group, a trusted team dedicated to supporting seniors in making informed decisions about Medicare. While I strive to provide accurate and thorough answers to all your Medicare questions, I also have the full support of the experienced professionals at VRM Insurance Group. This collaboration ensures that my clients always receive the expert guidance and personalized care they deserve. KMH Senior Insurance is committed to empowering seniors with the Medicare knowledge and resources needed to navigate their Medicare options confidently and make the best choices for their health and well-being.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options

By providing your name and contact information you are consenting to receive calls, text messages and/or emails from a licensed sales agent about Medicare Plans at the number provided, and you agree such calls and/or text messages may use an auto-dialer or robocall, even if you are on a government do-not- call registry. This agreement is not a condition of enrollment. This is a solicitation of insurance. Your response may generate communication from a licensed insurance agent.