Our Insurance Services
Comprehensive coverage options tailored to your needs. We work with multiple carriers to find the right fit.
Medicare Supplement (Medigap)
Original Medicare covers a lot, but it doesn't cover everything. Medicare Supplement (Medigap) plans are designed to fill the gaps — helping with deductibles, copayments, and coinsurance so you have more predictable healthcare costs.
Tracy will walk you through the different Medigap plan options (A through N), explain what each covers, and help you choose the one that fits your health needs and budget.
- Covers deductibles, copays, and coinsurance
- Freedom to choose any doctor or hospital that accepts Medicare
- Guaranteed renewable — coverage continues as long as you pay premiums
Medicare Advantage (Part C)
Medicare Advantage plans are an all-in-one alternative to Original Medicare. These plans combine hospital (Part A), medical (Part B), and often prescription drug (Part D) coverage into one convenient plan — sometimes with extra benefits like dental, vision, and hearing.
Tracy helps you compare Advantage plans from top carriers to find one with the network, benefits, and costs that work for you.
- All-in-one coverage (Parts A, B, and often D)
- May include dental, vision, hearing, and wellness benefits
- Annual out-of-pocket maximum for financial protection
Part D Prescription Drug Plans
Prescription drug costs can add up quickly. Medicare Part D plans help keep your medications affordable, whether you have Original Medicare or a Medicare Advantage plan without drug coverage.
Tracy reviews your current medications and compares Part D plans to find one that covers your prescriptions at the lowest cost.
- Coverage for generic and brand-name prescriptions
- Plans from multiple carriers to compare pricing
- Annual enrollment period for plan changes
Health & Life Insurance
Beyond Medicare, Tracy offers individual and family health insurance plans as well as life insurance to protect your loved ones. Whether you need coverage for a gap, a short-term plan, or permanent life insurance, Tracy can guide you.
Life insurance options include term life (affordable coverage for a set period) and whole life (permanent coverage with cash value accumulation).
- Individual & family health plans
- Term and whole life insurance options
- Supplemental & short-term coverage available
Why Choose an Independent Agent?
When you work with Tracy, you get choices — not a single company's agenda.
We compare plans from top insurance companies to find the best combination of coverage and price.
No call centers or automated systems — just Tracy herself, taking the time to understand your needs.
Proudly serving Frankfort and surrounding Indiana communities for over a decade.
Not Sure Which Plan Is Right?
That's okay — Tracy will walk you through every option. No obligation, just clarity.