About Lawrence Senior Insurance

Most people want to know who is on the other end before they dial. Fair enough. I am Adam, and the practice behind Medicare help in Lawrence is one licensed Kansas agent working out of this town, not a call center with a script. What follows is my background, the credentials I am able to claim, the four questions I ask on every call, and what a first conversation looks like.

Meet Adam

I grew up here. Free State High School, then a Bachelor of Science in Finance from the University of Kansas, then some years away. I came back because the work I wanted was the kind you do close to home.

Medicare turned out to be that work. It runs on rules most people meet exactly once, at an age when a wrong turn is expensive and awkward to undo. The core of the practice is first-time enrollment, because that is where a framework earns its keep. I built one and use it every time, and the Turning 65 guide lays out the deadlines around it.

I am in no rush to sell you anything. If what you already hold is the right fit, I will say so, and the review will still have been free. The people facing this decision live on the same streets I rode a bike on. That is why the work is here.

Credentials

Here is the complete list.

• Licensed Kansas insurance agent
• AHIP certified, recertified annually
• Lawrence native, Free State High School
• BS Finance, University of Kansas
• Appointed with Blue Cross Blue Shield of Kansas
• Appointed with UnitedHealthcare
• Appointed with Humana
• Appointed with Wellcare
• Appointed with Devoted Health

Appointments are renewed year by year. If one ends, this list changes with it.

The Four Pillar Medicare Review

Every consultation asks the same four questions in the same sequence, and the sequence is the point. Out of order, it is easy to pick a plan that fails on the thing you were not thinking about.

Pillar one: your doctors

The first question is who treats you now, and who you would want to be able to call. Provider access swings the choice between Original Medicare and a network plan further than any other single fact, so it leads. LMH Health and the KU networks get checked first.

Pillar two: your prescriptions

I write down every medication by name, its dose, and the pharmacy you actually walk into. Drug plans differ on whether a medication is on the formulary, which tier it lands on, and whether your pharmacy counts as preferred.

Pillar three: your budget

Two numbers matter here, never one. The premium you are content to pay each month, and the amount you could absorb in a genuinely bad year. A smaller monthly figure usually pushes money into the second number, so I write both down.

Pillar four: your lifestyle

This pillar covers winter months out of state, a second address, a grandchild you drive to Kansas City, a spouse enrolled somewhere else. These tilt a recommendation once the first three have narrowed it, and no quote form thinks to ask.

Plan names come up after all four are written down. The structures they point toward are set out on the Medicare plans overview for Lawrence.

Why Independent Matters

• No single company owns my time, so the comparison spans the carriers I am appointed with.
• The carrier pays me when somebody enrolls. You are never invoiced.
• Nobody hands me a quota tied to a particular name.
• If the better answer is a plan I cannot sell, or the one you already hold, you will hear me say it.

Nobody in Douglas County sells every plan available.

Adam's Approach To Consultations

You choose the setting, and none of the four costs anything. The contact page sets out what each one involves.

We work down the four pillars, you get a straight reading of your options, and then it stops. Nothing needs deciding that day or that week; enrollment, if it happens, happens later.

Afterwards I stay reachable all year, not only in autumn: the annual notice your plan mails out, a move, a new medication. If something has already shifted, reviewing or switching a plan is its own conversation and carries no charge either.

Geographic Focus

Lawrence is the center of the practice. I also work in:

• Lawrence, KS
• Eudora, KS
• Baldwin City, KS
• Lecompton, KS
• Tonganoxie, KS
• Perry, KS
• Douglas County, KS
• Northeast Kansas

Distance only matters for a home visit. Phone and video reach anyone in Kansas.

Prefer a callback? Request one here and Adam will call within one business day.