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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.

Get FREE Medicare Quotes


Between April 2018 and April 2019, CMS will be issuing new Medicare ID cards to all Medicare subscribers.  The new cards are in an effort to help prevent fraud and fight identity theft.  The new Medicare cards will no longer have social security numbers on them. This will help keep your information more secure and help protect your identity.

You’ll get a new Medicare Number that’s unique to you, and it will only be used for your Medicare coverage. The new card won’t change your coverage or benefits. You’ll get more information from Medicare when your new card is mailed.

1.Mailing takes time: Cards will be mailed between April 2018 and April 2019. Your card may arrive at a different time than your friend’s or neighbor’s.  

2.Destroy your old Medicare card: Once you get your new Medicare card, destroy your old Medicare card and start using your new card right away.

3. Guard your card: Only give your new Medicare Number to doctors, pharmacists, other health care providers, your insurers, or people you trust to work with Medicare on your behalf.

4. Your new Medicare Number is unique: Your card has a new number instead of your Social Security Number. This new number is unique to you.

5. Your new card is paper: Paper cards are easier for many providers to use and copy, and they save taxpayers a lot of money. Plus, you can print your own replacement card if you need one!

6. Keep your new card with you: Carry your new card and show it to your health care providers when you need care.

7. Your doctor knows it’s coming: Doctors, other health care facilities and providers will ask for your new Medicare card when you need care.

8. You can find your number: If you forget your new card, you, your doctor or other health care provider may be able to look up your Medicare Number online.

9. Keep your Medicare Advantage Card: If you’re in a Medicare Advantage Plan (like an HMO or PPO), your Medicare Advantage Plan ID card is your main card for Medicare – you should still keep and use it whenever you need care. However, you also may be asked to show your new Medicare card, so you should carry this card too.

10. Help is available: If you don’t get your new Medicare card by April 2019, call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.


While you're waiting for your card, here’s what you can do:

  • Make sure your mailing address is up to date. If your address needs to be corrected, contact us or you can contact Social Security at or 1-800-772-1213.  TTY users can call 1-800-325-0778.

  • Beware of anyone who contacts you about your new Medicare card. We’ll never ask you to give us personal or private information to get your new Medicare Number and card.

Beneficiaries can also learn more by visiting the Your Medicare Card page at

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