https://jameskaufer.com/about/ https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-office.jpg James Michael Kaufer, independent Medicare insurance broker, in his office https://jameskaufer.com/blog/ https://jameskaufer.com/contact/ https://jameskaufer.com/hospital-indemnity/ https://jameskaufer.com/ https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-client-meeting.jpg James Michael Kaufer, independent Medicare broker, meeting with a client https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-office.jpg James Michael Kaufer, independent Medicare broker, in his office https://jameskaufer.com/life-insurance/ https://jameskaufer.com/medicare-advantage/ https://jameskaufer.com/medicare-advantage-vs-medicare-supplement/ https://jameskaufer.com/medicare-advantage-vs-supplement-guide/ https://jameskaufer.com/images/medicare-advantage-vs-supplement-original-medicare-80-20-infographic.png Infographic explaining Original Medicare Part A and Part B, the typical 80/20 Part B cost-sharing structure, lack of an annual out-of-pocket maximum, and the difference between Medicare Supplement and Medicare Advantage. https://jameskaufer.com/medicare-agent-jeffersonville-in/ https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-client-meeting.jpg James Michael Kaufer meeting with a Medicare client in Jeffersonville, Indiana https://jameskaufer.com/medicare-agent-kentucky/ https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-office.jpg James Michael Kaufer, independent Medicare broker in Kentucky https://jameskaufer.com/medicare-agent-louisville-ky/ https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-client-meeting.jpg James Michael Kaufer meeting with a Medicare client in Louisville https://jameskaufer.com/medicare-agent-new-albany-in/ https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-office.jpg James Michael Kaufer, independent Medicare broker serving New Albany, Indiana https://jameskaufer.com/medicare-agent-southern-indiana/ https://jameskaufer.com/images/james-michael-kaufer-medicare-broker-office.jpg James Michael Kaufer, independent Medicare broker serving Southern Indiana https://jameskaufer.com/medicare-and-working-past-65/ https://jameskaufer.com/medicare-enrollment-periods-explained/ https://jameskaufer.com/medicare-extra-help/ https://jameskaufer.com/medicare-guide/ https://jameskaufer.com/medicare-irmaa/ https://jameskaufer.com/medicare-made-simple/ https://jameskaufer.com/images/medicare-made-simple/01-how-medicare-fits-together.png Diagram showing Original Medicare Parts A and B and the two common coverage paths: Original Medicare with Medigap and Part D, or Medicare Advantage. https://jameskaufer.com/images/medicare-made-simple/02-the-80-20-gap.png Illustration showing Medicare generally pays 80 percent of the Medicare-approved amount for many Part B services after the deductible while the beneficiary generally pays 20 percent. https://jameskaufer.com/images/medicare-made-simple/03-two-paths-after-original-medicare.png Side-by-side overview of Original Medicare with Medigap and Part D versus Medicare Advantage. https://jameskaufer.com/images/medicare-made-simple/04-medicare-advantage-vs-medigap.png Comparison of Medicare Advantage and Original Medicare with Medigap across provider access, premiums, cost sharing, prior authorization, prescriptions, and annual changes. https://jameskaufer.com/images/medicare-made-simple/06-evaluate-prescription-drug-plan.png Six-step prescription drug plan review: list medications, check formulary, review tier, check pharmacy, review restrictions, and estimate annual cost. https://jameskaufer.com/images/medicare-made-simple/05-dental-benefit-example.png Dental benefit explainer showing why a $3,000 advertised dental benefit requires checking covered services, networks, cost sharing, limits, and exclusions. https://jameskaufer.com/images/medicare-made-simple/07-bad-health-year.png Educational comparison showing why Medicare coverage should be evaluated for both a normal year and a high-cost health year. https://jameskaufer.com/images/medicare-made-simple/08-medicare-enrollment-timeline.png Timeline showing the Initial Enrollment Period, Medicare Open Enrollment, Medicare Advantage Open Enrollment, and Medigap Open Enrollment. https://jameskaufer.com/medicare-plan-review/ https://jameskaufer.com/medicare-supplement/ https://jameskaufer.com/new-to-medicare/ https://jameskaufer.com/prescription-drug-plans/ https://jameskaufer.com/privacy-policy/