Where are you with Medicare?
Pick the one that sounds like you. Each one shows the deadlines that matter and how we help.
Turning 65 soon
Your first sign-up window, what to do and when, and how to avoid late penalties.
Start with the Turning 65 guide → 2Retiring or leaving a job plan
Past 65 and losing work coverage? You get a special window. We help you use it without gaps.
See how to switch from work coverage → 3Already on Medicare
Plans change every year. Open Enrollment runs October 15 to December 7. We review yours for free.
Get a free plan review →
No fees. Just dependable Medicare guidance.
Medicare is confusing, and most people only get one shot at a few of the big decisions. We slow it down. We explain your choices in plain words, check your doctors and medicines, and let you decide. There is never a fee, and the price of a plan is the same as going direct.
Our Services
You do not have to figure out Medicare alone. Our licensed agents give free, one-on-one help so you understand your options and choose with confidence.
Medicare Guidance
Parts A and B, Medicare Supplements, Medicare Advantage and Part D, compared side by side for your doctors and medicines.
See the plans we help with →Veterans and Military
How VA care, TRICARE For Life and Medicare fit together, from an agency that works with veterans all year.
Veterans and Medicare →Dental, Life and More
Original Medicare skips routine dental, vision and hearing. We help with those plans, plus final expense, hospital coverage and fixed annuities for money you want to protect.
See your options →Cole Insure at a glance
- Who we are
- Cole Insure, an independent Medicare insurance agency founded in Kansas City, Missouri. Licensed agents, not a call center.
- What we do
- Free help comparing Medicare Supplement (Medigap), Medicare Advantage and Part D plans, plus dental, hospital, final expense and fixed annuity coverage, from many insurance companies.
- Where
- The whole Kansas City metro on both sides of the state line, in person or by phone and video. Licensed in 42 states.
- What it costs
- Nothing. We are paid by the insurance company you choose, and the plan price is the same as buying direct. How we are paid.
- Reviews
- Rated 5.0 out of 5 on Google from 164 reviews. Read client reviews.
- Contact
- (816) 307-6165, [email protected], Monday to Friday, 9 AM to 5 PM, and Saturday 9 AM to 1 PM Central through December 7. About Cole Insure.
Medicare help across the Kansas City metro
We help people in Kansas City, Missouri, Kansas City, Kansas, and the suburbs on both sides of the state line. Each town page covers the local hospitals, the plans people there ask about, and the rules for that state.
Missouri lets you shop your Medicare Supplement every year
Around the anniversary of your plan, Missouri gives you a window to move to the same plan letter with another company, with no health questions. Most people never hear about it. We watch the calendar for you and compare the plans we offer before your window opens.
Learn Medicare in 17 minutes
A short video class you can watch anytime. How Parts A, B, C and D fit together, how to keep your doctors, and how to avoid late penalties. No cost, and nothing to buy.
Trusted by Kansas City families for Medicare guidance
Rated 5.0 out of 5 from 164 Google reviews. Read client reviews or see them on Google →
Questions Kansas City families ask us
Will using Cole Insure cost me more on my monthly premium?
No. Medicare plan prices are set by the insurance company and approved by the state or Medicare, so the price is the same whether you sign up with us, with the company, or on your own. The insurance company pays us. You never pay us a fee. How we are paid.
Will my Kansas City doctors and hospitals be covered?
It depends on the plan. With Original Medicare and a Medicare Supplement, you can see any doctor or hospital in the country that takes Medicare. Medicare Advantage plans use networks, and those networks change from year to year. Kansas City has several big hospital systems, including Saint Luke's, The University of Kansas Health System, HCA Midwest and University Health, and a plan can include some and not others. Before you choose, we check your doctors and hospitals against each plan we offer. How we check your doctors and hospitals.
When can I change my Medicare plan?
Most people can change plans during Open Enrollment, October 15 to December 7, with the new plan starting January 1. If you are in a Medicare Advantage plan, you can make one change from January 1 to March 31. Moving, losing other coverage, or a plan leaving your area can open a Special Enrollment Period at other times. All Medicare enrollment periods.
I am still working past 65. Do I need to sign up for Medicare?
Maybe not yet. If you have health coverage from your own or your spouse's current job, you may be able to wait on Part B without a penalty. The size of the employer matters. When that coverage ends, you get a Special Enrollment Period to sign up. We can walk through your situation and the Social Security forms. Medicare and Social Security.
Do you work with only one insurance company?
No. We are an independent agency, not owned by any insurance company. We work with many of the major Medicare insurance companies, and we tell you which plans we can offer in your ZIP code. About Cole Insure.
Talk it through with a local agent
About 30 minutes by phone or video. We look at your doctors, your medicines and your budget. You decide, with no pressure.