The Kirscht Insurance Agency - A Independent Medicare Broker

The Kirscht Insurance Agency - A Independent Medicare Broker We do not offer every Medicare Advantage plan available in your area. Many seniors find themselves buried in paperwork, unsure of where to start.

Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Simplifying Medicare: My Mission to Help You Navigate Healthcare with Confidence
When I first became a Medicare advisor, I quickly saw how overwhelming the system can be. Families struggle to understand coverage options, and individuals fear making the wrong choice for their healthcare future. Medicare is designed to provide security, yet too often, it creates stress and confusion. That’s why I made it my mission to simplify the process and provide clear, personalized guidance. Instead of overwhelming my clients with complex terms and endless fine print, I break things down into simple, easy-to-understand choices. I believe Medicare should empower you, not frustrate you. My job is to help you feel confident in your healthcare decisions. Why I Do What I Do
Over the years, I’ve met countless people who delayed enrolling in Medicare because they didn’t know where to begin. Some ended up paying penalties, while others missed out on coverage that could have significantly improved their quality of life. I realized that with the right guidance, these situations could be avoided. Medicare isn’t one-size-fits-all. Every individual has unique health needs, prescriptions, and financial considerations. That’s why I take a personalized approach, getting to know my clients, understanding their concerns, and guiding them toward the best possible plan. My goal is to provide clarity so you can focus on what matters most—living your life with peace of mind. How I Help
Whether you’re enrolling in Medicare for the first time or reassessing your current coverage, I’m here to make the process simple and stress-free. My services include:

✔ Explaining Medicare in clear, simple terms – No confusing language, just straightforward guidance.
✔ Comparing plan options based on your unique needs – Medicare Advantage, Supplement, and Prescription Drug Plans.
✔ Helping you maximize benefits – Ensuring you avoid unnecessary costs, late penalties, and coverage gaps.
✔ Providing ongoing support – As your healthcare needs evolve, I’ll be here to adjust your coverage as needed. More Than Just Plans—A Trusted Partner in Your Healthcare Journey
Medicare is more than just choosing a plan—it’s about securing peace of mind for your future. I take pride in being more than just an advisor; I’m a partner in your healthcare journey. I don’t just help you enroll and walk away—I continue to support my clients long after they’ve chosen a plan. If your needs change, I’ll be there to help you adjust your coverage accordingly. You deserve to feel confident in your Medicare decisions. If you have questions or need guidance, let’s connect. Together, we can find the best Medicare coverage for your needs so you can enjoy your retirement with less worry and more freedom.

Confused about your 2026 Medicare Plan? You’re not alone.Join us for a free, no-pressure seminar where you’ll learn:What...
10/13/2025

Confused about your 2026 Medicare Plan? You’re not alone.
Join us for a free, no-pressure seminar where you’ll learn:

What’s new for 2026 Medicare plans

How to avoid costly mistakes

Your options for extra benefits you may qualify for

👥 Presented by: Craig Kirscht, Licensed Medicare Agent

✅ No obligation.
✅ Bring your questions.
✅ Refreshments provided.

Reserve your spot today!
📞 Call: 720-375-5479
📧 Email: craig@kirschtinsurance.com
Anythink Library Wright Farms - 5877 E 120th Ave

Not connected with or endorsed by the United States government or the federal Medicare program. For educational purposes only.

🚨 Got a Medicare plan that’s going away next year?Don’t panic — but don’t wait either.Plans change, benefits shift, and ...
10/07/2025

🚨 Got a Medicare plan that’s going away next year?
Don’t panic — but don’t wait either.

Plans change, benefits shift, and companies sometimes pull out of certain areas. If your plan’s ending, you’ll need to choose a new one before the deadline to avoid gaps in coverage.

Let’s make sure your next plan actually fits you — not just whatever’s left over. Send me a message and I’ll walk you through your best options. 🩺

10/01/2025
🚨 Medicare Annual Election Period is Coming Soon! 🚨It’s almost time to review your Medicare plan and make sure it still ...
09/13/2025

🚨 Medicare Annual Election Period is Coming Soon! 🚨

It’s almost time to review your Medicare plan and make sure it still fits your needs for 2025. Here’s what to keep an eye out for:
✅ Annual Notice of Change (ANOC) – Arriving in September from your current carrier. Don’t skip reading it!
✅ Plan Review Appointments – I’ll be sending reminders if you haven’t booked yours yet.
✅ PlanENROLL Login – Easily update your doctors & prescriptions so I can help find the best fit.
(https://www.sunfirematrix.com/app/consumer/ember/?sfpath=int&sfagid=8326510)
💡 Plans change. So can your health needs. Let’s make sure you’re in the right place for the year ahead.

👉 Message me if you have questions before the Annual Election Period begins!

💡 Medicare Tips & Tricks Medicare can feel like alphabet soup (A, B, C, D… 🤯), but here’s a quick trick to keep yourself...
08/18/2025

💡 Medicare Tips & Tricks
Medicare can feel like alphabet soup (A, B, C, D… 🤯), but here’s a quick trick to keep yourself out of trouble:
👉 Always check your doctors and prescriptions BEFORE enrolling.
Just because a plan looks cheap doesn’t mean it works for you. The “wrong” plan can cost way more in the long run.
✅ Tip: Review your coverage every year—plans change, and so do your needs.
✅ Trick: Ask a licensed agent (like me 😉) to do the heavy lifting. It’s free, and it could save you thousands.

🎯 Medicare Isn’t a “Last-Minute” GameIf you’re turning 65 soon, waiting until the last minute to enroll in Medicare can ...
08/09/2025

🎯 Medicare Isn’t a “Last-Minute” Game

If you’re turning 65 soon, waiting until the last minute to enroll in Medicare can cost you penalties for life and gaps in coverage.
The good news? It doesn’t have to be complicated. I help you understand your options early, so you can relax and avoid the “deadline panic.”
Message me today—your future self will thank you.

08/08/2025

Medicare is local.

Sure, you can work with an agent in another state… but do they know which doctors here are actually in-network? Or which plans quietly dropped your favorite hospital?

I live and work right here in Colorado, so I know the local networks, the plan quirks, and the people.

When you call me, you’re not getting a call center — you’re getting me.

📞 Local matters. Medicare is no exception.

https://calendly.com/ki-medicare/30min

My Medicare Advantage plan said my doctor was in-network—now they’re saying he’s not?! How is that even allowed?”You’re ...
08/02/2025

My Medicare Advantage plan said my doctor was in-network—now they’re saying he’s not?! How is that even allowed?”
You’re not alone. This is one of the most common (and maddening) issues with Medicare Advantage plans.
Here’s the truth:
🧠 Doctors and networks can change anytime—even mid-year.
📄 What’s listed during enrollment isn’t always guaranteed.
⚠️ And yes, it’s totally legal.
The fine print? Most people don’t find out until they get the bill.
That’s why it’s critical to work with a local Medicare broker who knows how these plans really work—and how to avoid nasty surprises.
✅ Let’s review your plan options before you get stuck with another “gotcha.” No cost, no pressure—just real answers.

🧐 Will Medicare cover everything your employer plan does? Short answer: Probably not.Long answer: It depends on what you...
07/12/2025

🧐 Will Medicare cover everything your employer plan does?

Short answer: Probably not.
Long answer: It depends on what your employer plan covers—and what kind of Medicare plan you choose.

👉 Some things that might change:
✅ Prescription coverage
✅ Copays and deductibles
✅ Out-of-pocket limits
✅ Dental, vision, and hearing
💬 Before you assume Medicare is a one-size-fits-all, let’s talk. Your needs are unique—and your coverage should be too.

📲 (720)375-5479 or craig@kirschtinsurance.com

Address

12412 York Street
Thornton, CO
80241

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17203755479

Website

https://calendly.com/ki-medicare/30min

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