To speak with a licensed agent, call (775) 853-8389 (TTY 711 M-F, 9am-5pm) or email Ron@HealthPlansAdvisors.com or Susan@HealthPlansAdvisors.com
Health Plan Advisors

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!







      By submitting this information, you acknowledge that licensed insurance agents, Ron Hows and Susan Kist, may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Get Free and Friendly
      Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Special Needs Plans

      SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

      Medicare FAQs

      Answers to some of the most common questions asked by Medicare beneficiaries.

      Frequently Asked Questions


      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?

      Testimonials

      Here’s what our clients say about our service…


      My earliest memory of medicine is an evening visit to our third-story, walk-up apartment by Dr. Deitrick, our family physician, to take my temperature, listen to my four-year old heart and lungs, and give me a shot to cure me. It worked, I guess. After that, I set the family record for most cuts, bruises, and injuries, of the six…

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      Thomas Flynn

      My earliest memory of medicine is an evening visit to our third-story, walk-up apartment by Dr. Deitrick, our family physician, to take my temperature, listen to my four-year old heart and lungs, and give me a shot to cure me. It worked, I guess. After that, I set the family record for most cuts, bruises, and injuries, of the six children, requiring medical attention. The medical world was simple then.

      Beginning in the Fall, my mailbox was filled every day with Medicare Supplement plans and the TV ran non-stop ads with celebrity barkers, Joe Namath for example, touting the benefits of their sponsored plans. In December I decided to “explore” Medicare supplement plans myself. The thought terrified me, what would it cost, would it be flexible, comprehensive, could I retain my doctors, would they accept the plan? I had become quite comfortable with the WCSD medical plans and was, like others, reluctant to change. But family and friends suggested I look at other plans for significant savings. I knew immediately that finding the right plan by myself was way above my paygrade. It would be like climbing the north slope of Mt. Everest blindfolded in mid-winter. I needed help; I needed a Sherpa Guide. And I found one, her name is Susan Kist.

      Susan sat at a table near the exit of Smiths in south Reno. On the table, Medicare supplement literature. I walked by her at least ten time, until one day I summoned the courage and stopped to ask her my list of questions. She listened carefully and proceeded to answer all my questions and quickly describe all the options available. And, this is important, she is not only knowledgeable, but she’s extremely affable, approachable, humorous, and efficient. She is also a bit of a teacher, giving me a crash-course on supplement plans that helped me make my own decisions. She was not selling me, up or down, on any plan, just guiding me through the pitfalls and perils of modern medical plans.

      At a follow-up meeting in her office, we reviewed my requirements, and she gave me more details on the available plans. I selected and was accepted into a plan that offers the benefits I requested within a week. You helped there. I’ll be saving about $6,000 each year. For me, that’s a month of SCUBA diving at an all-inclusive resort in Cozumel, Mexico, airfare included. During that meeting, it occurred to me that there must be other retirees in the school district like me: reluctant to change, filled with uncertainty, but happy to save a buck if there is no loss of benefit. And willing to listen to an informed, friendly and reassuring third party on options. I suggested that Susan contact you to see if your office or the district has a need for her services. I’ve enclosed her business card which says in three words what I tried to in 500 words: Making Medicare Simple. I’m half Irish, gift-of-the-gab gene.

      You were very helpful in this effort; I hope you’ll find this story as helpful.


      Thomas Flynn

      I attended one of Ron’s seminars about Medicare, then scheduled a private appointment, and purchased medigap, dental, and Part D (prescr. drug) policies. Medicare is complicated, but Ron does a great job explaining the options and the advantages/disadvantages of each. It was nice to have several insurance companies to choose from, and a…

      Read More


      Paul Vandervoort
      Yorba Linda, CA

      I attended one of Ron’s seminars about Medicare, then scheduled a private appointment, and purchased medigap, dental, and Part D (prescr. drug) policies. Medicare is complicated, but Ron does a great job explaining the options and the advantages/disadvantages of each. It was nice to have several insurance companies to choose from, and a knowledgeable agent to cut through the noise and share the inside scoop of which providers to consider, and why. Ron understands how confusing Medicare is for ordinary folks like myself. He was very patient as I asked a question or two which he had already answered previously. Thumbs up!


      Paul Vandervoort
      Yorba Linda, CA

      Articles and Information


      What Social Security Recipients Need to Know About the 2025 COLA and Inflation Trends

      As a Social Security recipient, you rely on the annual cost-of-living adjustment (COLA) to help keep pace with rising living costs. For 2025, the Social Security COLA is projected to be 2.6%.

      7 Key Medicare Changes for 2025 You Need to Know

      As we approach 2025, significant changes for Medicare are on the horizon, and they could impact your coverage and access to health care services.

      The Importance of Vision Screenings and Routine Eye Care

      Regular eye exams and proper eye care are essential for preventing serious eye conditions and preserving vision. Here are a few tips regarding eye exams and Medicare.

      Plan Ahead for Healthcare Costs in Retirement

      Planning for healthcare costs is a crucial part of your overall retirement strategy. It’s not just about having enough money for daily living—it’s about making sure you have adequate coverage for rising medical expenses.

      6 Medicare Myths Debunked: What You Really Need to Know

      Understanding the facts about Medicare can save you from costly mistakes and ensure you get the coverage you need.

      How to Maximize Your Medicare Coverage During the Annual Election Period

      Maximizing your Medicare coverage requires careful consideration of your healthcare needs, financial situation, and any changes to your plan’s coverage.

      The Importance of Social Connections for Mental Health After 65

      Research shows that individuals over age 65 who nurture close relationships with friends, family, and community members tend to experience lower rates of depression, anxiety, and cognitive decline.

      How to Review Medicare Plans During AEP

      The Medicare Annual Election Period (AEP) is from October 15 to December 7.  Here’s how to evaluate Medicare Advantage plans to ensure you’re choosing the best fit for your healthcare needs.

      Skin Health After 65: Preventing and Managing Skin Conditions

      Caring for your skin after age 65 is essential for maintaining comfort, health, and resilience against common skin issues.

      Read Additional Articles

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      Twice each month we deliver health tips straight to your email inbox. Try it, we think you’ll like it!

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