Your Local Medicare Specialist
Compare Medicare Advantage, Medicare Supplement, Prescription Drug, and Hospital Indemnity plans with personalized guidance based on your doctors, medications, and healthcare needs.
Why Work With James?
Hi, I'm James.
I've built my whole business around one idea: when it comes to Medicare, having someone local who understands the plans, formularies, provider networks, and the details that can affect your coverage makes a real difference.
Plan information is available in a lot of places. What's harder to find is someone who knows your community and can sit down with you, in person, and walk through it — giving you that added level of confidence when you're making a decision this important.
I'm a licensed independent broker — not tied to one insurance company. I meet with my clients face-to-face when I can, because I want to actually see what matters to you, not just check boxes.
My Medicare and insurance business operates as Millennial Life Group LLC. Learn more about James Kaufer | Millennial Life Group.
And I don't disappear after you enroll. Every year during the Annual Enrollment Period, I reach out to review your coverage and make sure your plan still fits your needs. More importantly, I'm here for you year-round — not just during enrollment season. Whether you have questions about your benefits, providers, prescriptions, claims, or coverage options, help is only a phone call away.
Let's Start With a Conversation
Every situation is different. Whether you're new to Medicare, reviewing your current coverage, or just have questions, we'll discuss your options and find out what makes the most sense for you.
Click for my free review
Prefer to browse at your own pace? "Compare Plans on Your Own" takes you to my plan-comparison tool.
The 4 Ways We Specialize in Helping Clients
Medicare Supplement
Fills the gaps Original Medicare leaves, so a surprise bill doesn't wreck your month.
Medicare Advantage
Bundled plans that combine hospital, medical, and often drug coverage into one card.
Hospital Indemnity
Cash paid straight to you if you're hospitalized, on top of your other coverage.
Life Insurance
So your family isn't left covering final expenses on top of everything else.
Not Sure Which Direction Makes More Sense for You?
Use my interactive comparison guide to walk through some of the biggest differences between Medicare Advantage and Medicare Supplement coverage and see which direction may better match what you're looking for.
Compare Medicare Advantage & Medicare SupplementAnnual Reviews. Ongoing Support.
My service doesn't end when your enrollment is complete. Each year, I'll reach out to review your current coverage, discuss any changes to your plan, and take a look at your healthcare needs, medications, and providers. Together, we'll determine whether your current plan still fits your situation or if there may be other options worth considering.
And throughout the year, I'm always here when questions come up — just a phone call away.
What My Medicare Clients Are Saying
Real clients. Real experiences. Five-star care.
"I was so overwhelmed when I first started looking into Medicare, but James made it so easy. He explained everything in plain English and found the right plan for my needs and budget. I am very pleased with my coverage!"
— Barbara M. (Madison, IN)
Medicare Advantage Client
"After comparing plans for weeks, I was referred to James and got the answers I needed right away. The process was smooth from start to finish, and my coverage is better than it's been in years. Highly recommend working with James!"
— Robert T. (Dry Ridge, KY)
Medicare Advantage Client
"I had no idea there were so many options! James took the time to understand my health needs and helped me choose a plan with my own doctors and low out-of-pocket costs. I sleep better at night knowing I'm covered."
— Linda S. (Prestonsburg, KY)
Medicare Advantage Client
"Switching to a new plan can be stressful, but James made it seamless. Every question was answered, every detail handled, and I couldn't be happier with my new coverage. Thank you for making Medicare simple!"
— James H. (Bowling Green, KY)
Medicare Advantage Client
Medicare Insights From James Kaufer
I write about Medicare topics as questions come up — here are my most recent posts.
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Frequently Asked Questions
🗓️ When can I actually change my plan?
Mainly during Annual Enrollment, October 15 – December 7. There's also a shorter window January 1 – March 31 if you're already on a Medicare Advantage plan.
💬 Do I have to buy something from you?
No. A lot of people just want a second opinion or a plain-language explanation. That's fine too.
📍 Do you actually meet in person?
Yes, across Kentucky, Indiana, Ohio, West Virginia, Tennessee, and Mississippi. Phone works too, if that's easier for you.
💰 Does this cost me anything?
No. The review is free, and I get paid by the insurance carrier, not by you.
🎂 What's the Initial Enrollment Period?
When you first become eligible for Medicare — usually turning 65 — you get a 7-month window: 3 months before your birthday month, your birthday month, and 3 months after. That's your chance to sign up without a penalty.
Want to explore your options on your own first?
Explore My Medicare OptionsReady to talk?
Schedule an AppointmentHave Questions? Not Sure Where to Start?
That's what I'm here for. Tell me a little about what you need help with below, and I'll be in touch.