Your Medicare Made Simple, Personalized Guidance at No Cost to You
Avoid confusion, compare your options, and get peace of mind with help from a licensed Medicare advisor.
How We Help You Navigate Medicare
How We Help You Navigate Medicare
Medicare Plan Comparison
Easily explore and compare Medicare Advantage, Supplement, and Part D plans. Get clear guidance from licensed experts who help you find coverage that fits both your health needs and your budget.
Enrollment Made Simple
Skip the confusion we’ll handle the details for you. From checking eligibility to meeting deadlines, our team ensures your enrollment is quick, accurate, and stress-free.
Prescription Drug (Part D) Coverage
Stop overpaying for prescriptions. Our advisors compare top Part D plans to help you find one that matches your exact medications at the best possible cost.
Medicare Supplement (Medigap) Plans
Original Medicare doesn’t cover everything. We’ll help you find a Medigap plan that fills the gaps protecting your health and keeping your out-of-pocket costs low.
Annual Medicare Plan Reviews
Your needs and Medicare options can change every year. We’ll review your coverage annually to make sure you’re always on the best plan for your budget and lifestyle.
Getting Medicare Help Is Simple
Tell Us About Your Needs
Start with a short conversation so we can understand your health priorities, budget, and coverage goals.
We Compare Plans for You
Our licensed advisors review top Medicare options and help you find the plan that fits you best saving you time, money, and confusion.
Enroll With Confidence
We take care of the details, from paperwork to deadlines, so your enrollment is smooth and stress-free.
Making Medicare Clear, Comfortable, and Completely Yours
We believe Medicare shouldn’t be complicated.
Instead of leaving you buried in paperwork and confusing choices, our licensed advisors walk you through every step, so you can focus on what really matters: enjoying life with peace of mind.
With personal attention and simple explanations, we help you feel confident about your coverage and the choices you make.
Because Medicare is personal and your experience should be too.
Smart Choices. Local Experts. Real Support.
No two people are alike, and neither are their Medicare needs.
We take time to understand your health priorities, preferred doctors, and prescriptions to recommend plans that fit your life not just your age group.
⚪ Plan comparisons tailored to your needs
⚪ Local guidance at no cost to you
⚪ Advice focused on savings and simplicity
Our goal isn’t just to find you coverage, it’s to help you get it right.
About Me
Hi, I’m Justin Kramer, founder of Midwest Health & Life here in Humboldt, Iowa.
I started this agency with one simple goal: to make Medicare and health insurance easier to understand for people in our local communities. Too often, folks feel overwhelmed by the options, fine print, and constant sales calls. My approach is different I take the time to explain things clearly, compare plans side by side, and help you find coverage that truly fits your needs and your budget.
As a licensed independent agent, I work with multiple trusted insurance carriers not just one company which means I can shop around to find the best options for you.
Whether you’re turning 65, reviewing your current Medicare Supplement plan, or exploring options for yourself or a family member, I’m here to help every step of the way.
Because I live and work right here in Iowa, when you call, you’re talking to a real person who understands local healthcare networks, county programs, and the resources available in our area. My clients know they can reach me directly by phone or text anytime no call centers, no long hold times.
If you ever have questions about Medicare Advantage, Medicare Supplement, or Prescription Drug Plans, reach out anytime. My goal is to make sure you feel confident and protected in the coverage you choose.
Explore it
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Compare it
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Enjoy it
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Explore it • Compare it • Enjoy it •
FAQs
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No. Our Medicare guidance is completely free. You’ll never be charged for comparing or enrolling in a plan with our licensed advisors.
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Most likely, yes. We always check your preferred doctors and clinics to make sure they’re in-network before recommending any plan.
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Medicare Advantage (Part C) combines hospital, medical, and often prescription coverage into one plan.
Medicare Supplement (Medigap) helps cover out-of-pocket costs that Original Medicare doesn’t pay. We’ll help you decide which fits your situation best. -
Absolutely. Plans change each year, and what worked before might not be the best fit now. We offer free annual reviews to ensure you stay on the right plan.
Midwesthealthandlife is a licensed, independent health insurance agency. We are not affiliated with or endorsed by any government agency or entity, including the Centers for Medicare & Medicaid Services (CMS).
Our agency connects consumers with licensed insurance agents and plan providers to help explore and compare Medicare coverage options. Please note that we do not offer every plan available in your area. For a complete list of all available plans, visit Medicare.gov, call 1-800-MEDICARE (1-800-633-4227) available 24 hours a day, 7 days a week (TTY users: 1-877-486-2048) or contact your State Health Insurance Program (SHIP).
Midwesthealthandlife works with Medicare Advantage organizations and stand-alone Prescription Drug Plan (Part D) providers that contract with Medicare. Plan availability and enrollment depend on contract renewal and may vary by carrier, benefits, and location. Enrollment in a plan may only be available at certain times of the year, unless you qualify for a Special Enrollment Period or are within your Initial Enrollment Period.
Beneficiaries must continue to pay their Medicare Part B premium. Deductibles, copayments, and coinsurance may apply. By submitting a form or contacting us through this website, you may be connected with a licensed sales agent who can answer questions and provide information about Medicare Advantage and Prescription Drug (Part D) plans. Consent to receive marketing communications is not required to receive information or assistance.