A Medicare Broker Who Grew Up Here and Works for You

How I Built This Practice

I have spent more than nine years working in Medicare. A few years in, I launched Walters Medicare as an independent brokerage. Today I represent 13 carriers, which means I can compare plans across companies and recommend whatever fits your situation, whether the deciding factor is your doctors, your medications, or your budget.

That independence is what this business is built on. My goal has always been two things: make the Medicare process as clear as possible, and give the kind of service after enrollment that makes people feel they made the right call long after the paperwork is signed.

My father sold insurance as a captive agent for 15 years, so I grew up around the business and understood early what the work involved.

What kept me in it is the part I enjoy: Medicare has a lot of moving pieces, and most people meet it for the first time at 64 with no idea where to start. I like talking to people, and I like taking a complicated decision and laying it out plainly so it stops feeling overwhelming.

I started out as a captive agent with Anthem. Captive means I could only offer one company's plans. That taught me the business, but it also showed me the limits of it. If the plan that fit someone best was not the one I carried, there was nothing I could do about it.

That is why I went independent. Now I can look at what actually fits.

What Working With Me Looks Like, Start to Finish

1. A first conversation

I start by asking where you are. Turning 65, retiring, moving, losing employer coverage, or just unhappy with what you have. I answer questions and explain how the pieces fit. Nothing is decided in this conversation, and there is no cost for it.

2. Gathering the details that matter

Before I can compare anything honestly, I need four things: the doctors and specialists you see, the medications you take with their dosages, the pharmacy you use, and a sense of your budget. That list is short, but it decides almost everything.

3. The comparison

I run your details against the plans available where you live and show you what I find, including the trade offs. I will tell you when a plan looks good on paper but falls apart on the specifics that matter to you. If your current coverage is already the right fit, I say that and leave it alone.

4. Enrolling

You decide. If you choose to enroll, I handle the application and the paperwork and confirm your coverage start date so nothing is left hanging.

5. After you enroll

This is the part that matters most and gets talked about least. A new prescription, a doctor leaving a network, a confusing letter in the mail: you call me directly, year round. And each fall I offer a free annual plan review, because plans change every year even when your life does not.

Licensing and Training

I hold active insurance licenses in Ohio, Pennsylvania, and Michigan, and I carry both a personal and an agency license. The license and producer numbers are published in the footer of every page on this site, so you can verify them with any state insurance department without asking me for them.

Medicare rules change every year, and carriers require yearly training and testing before an agent can offer their plans for the coming year. I complete that certification each year for every carrier I represent. It is a requirement, not a credential, but it is the reason I can talk about next year's plans with any confidence.

I am AHIP certified and renew it every year. AHIP is the annual training and testing requirement for agents who work with Medicare Advantage and Part D plans. Beyond that, I complete each carrier's own certification for every plan year.