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Medicare is the federal health insurance program for people who are 65 or older. Certain younger people with disabilities, and people with End Stage Renal Disease (ESRD), can also receive Medicare before they reach the qualifying age. Medicare is a complex program and has many different parts, each covering specific services. This is a time in your life when things should be simpler, and we can help make the Medicare process easy.

At Krum Insurance & Financial Services, LLC we understand that each client’s unique circumstance requires a Medicare package customized to fit their needs. We are experts in the full range of products offered by the nation’s leading providers of Medicare Plans and each of Medicare’s different parts. Our approach, at no charge to you, is to listen and understand your circumstances, then combine your needs and your budget to guide you to the best outcome.

What we do:

  • Explain how Medicare Parts A, B, C, and D work for you 

  • Help you evaluate the difference between Medicare Advantage and Medicare Supplement plans 

  • Teach you how to obtain prescription coverage 

  • Show you how to complete your enrollment in the plan that is best for your circumstances.

However, our service doesn’t end with your initial enrollment. Circumstances always change. Therefore, we provide annual reviews at no charge. We re-determine what is best for your situation and then we will help you make the changes accordingly.

The Medicare Marketplace is complex. The insurance industry, the Medicare program, and your personal situation offer many ever-changing factors to consider in choosing the right plan. Our staff is friendly and knowledgeable and, at no cost to you, we make the complex simple.

Together we will navigate the dynamic world of Medicare and find a dependable Medicare coverage that is within your budget.


By clicking on the button below, you will find more information on Medicare and the plans available in your area, along with free quotes to those plans.  We will happily review any of the plans with you and help you determine which one is right for you.

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