We believe in helping people find the right insurance plan for themselves and their loved ones. Our independent licensed agents are not tied to any insurance company, they work for you to find the best plan that meets your health needs.
How We Help You
- Our agents meet with you to listen and learn about your specific needs.
- We research and analyze the options and find the best one for you.
- Then we explain your options in easy to understand terms.
- And we help you through the enrollment process to keep it simple.
- Our guidance and support is yours through the life of the plan.
Certified with the American Medicare Disability Advocates and the Certified Senior Advisor groups, KSS agents are working to advance access to Medicare and quality health care through advocacy on behalf of older and disabled people.
Why We Help You:
Our representatives are more than just insurance experts – they are people with families of their own who understand how vital quality care and coverage are when it matters.
We promise to treat you with the same care and attention that we would give our own loved ones, offering advice and guidance that benefit you the most.
Years in Business
Our advice is complementary to you. Let our knowledgable, independently licensed agents help you find the right coverage!
What We Offer
Easy-to-Understand Insurance Plans and the Perfect Personalized Coverage
Medicare Advantage Plans
Our experienced agents can help you find the right Medicare Advantage plan for you that may include dental, vision, hearing, and fitness benefits.
Family Healthcare Plans
Healthcare coverage for you and your family is important to maintain overall health. Let our experts find the best plan for you.
Ensure you have access to high-quality care when you need it most, reducing the burden on your loved ones. We can show you how.
Medicare Part D & Medicare Supplement (Medigap)
Navigate confidently with help from independent licensed agents to find the right Medicare Supplement or Part D Plan.
Healthcare Marketplace Coverage and Support
Personal guidance from our independent licensed agents will help you secure the right coverage at a price you can afford.
Life Insurance Policies and Disability Coverage
Protect loved ones and your financial future when an unexpected event leaves you unable to work. Let us help.
Frequently Asked Questions
Why is Medicare so confusing?
It doesn’t have to be! While there are many rules and regulations to understand, an independent licensed agent will help guide you through the options, explaining the terms and breaking down the different plans so you understand. The best agents ask questions, get to know you and your health needs to guide you to the best plan for you and your loved ones.
At KSS, we are well-versed in the rules and regulations and can guide you through common pitfalls. Our agents take the time to get to know you and always keep in mind the question, “what would I tell my loved one?” This is our highest value and guiding principle when recommending healthcare plans to our clients. We are dedicated to keeping insurance simple.
How do you get paid? Do I have to pay you!?
No. You should never pay an independent licensed agent for their advice and guidance.
As independent agents, we have the ability to suggest the optimal insurance plans for your specific health needs, regardless of the insurance provider. The insurance companies pay our commissions to aid you in enrolling for the policy; we work for you – not them.
Is Medicare free?
- Many people are entitled to “premium-free” Medicare Part A coverage, which generally covers hospital stays.
- Medicare Part B covers doctor visits, among other things, and has a premium based on income.
- Medicare Part D, Medicare Part C (Medicare Advantage), and Medicare Supplements (Medigap) all have various premiums and/or copays.
If I don't sign up for Medicare at 65 do I have to pay a penalty?
It depends (a common answer to most questions about Medicare!)
If you are covered by a group health plan through you or your spouse’s employer, (not including COBRA) then you can likely wait until you are ready to lose that coverage to sign up without penalty. If you don’t have any group coverage, then you likely will need to sign up as you are turning 65.
Can I have an ACA Marketplace plan and a Medicare plan at the same time?
No, Marketplace rules specifically prohibit this.
Can I have a Medicare Advantage Plan and a Medicare Supplement?
No, Medicare rules specifically prohibit this.
Is Medicare Advantage or a Medicare Supplement Plan better?
It depends. (See, there it is again!) At KSS Insurance Solutions, we provide the information that you need in order to select the best strategy for your specific health needs and help you decide between Medicare Advantage or Medicare Supplement.
Is Original Medicare (Medicare A & B) enough coverage for me?
Original Medicare is an 80/20 insurance plan that has significant deductibles. The 20% is uncapped, which could result in significant out-of-pocket costs. Both Medicare Advantage and Medicare Supplement plans offer affordable protection regarding the uncapped 20%.
In addition, Original Medicare does not cover prescription drugs, so unless you enroll in a Part D plan (or Medicare Advantage plan with prescription drug coverage), you will be subject to a lifetime penalty.
Schedule An Appointment
We have meeting times available for Brownsburg, Zionsville, or Indianapolis Northside. Select your location below to schedule an appointment.