Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
The Right Plans for Your Needs.
We recognize that your needs and situation are unique. We spend the time to get to know you to make sure that you get coverage and support that fits your lifestyle.
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Our Story
Your Trusted Medicare Experts
We believe at age 65, you should receive an insurance benefit and NOT and insurance burden. But with such confusion with Medicare, how can you be sure you are receiving a Medicare Benefit suitable for you?
J Kruzel Insurance is a financial education company who specializes in Medicare and Senior benefits. Have you ever needed a tutor to understand something important? We are the tutor for Medicare beneficiaries. Each of our expert Medicare agents have the heart of a teacher, helping you understand Medicare and providing the professional guidance you need to select an optimal plan for your needs.
We proudly serve seniors throughout Michigan, including areas like Petoskey, Harbor Springs, and Traverse City, as well as surrounding areas like Boyne City, Charlevoix, and Gaylord. By partnering with top carriers, such as Priority Health, Aetna, Humana, Blue Cross, Mutual of Omaha, and HAP, we ensure you have access to a range of options to meet your needs.
With all of our investment of time and service with you, you might be asking how much we charge. Fortunately for you, the insurance carriers have discovered that their bottom line is helped when their customers are well educated and served professionally, so they pay for our services, so you don't have to. Our services are always FREE to you.
What Our Customers Are Saying
Hear from customers like you.
"Before speaking with James, I had many fears about my Medicare and reaching out for help. James has instilled a trust that I've never felt before when dealing with an insurance agent!"
Mary Smith
"James is extremely understanding and knowledgeable. Always makes time to answer questions and concerns. We are very thankful he is our guy in this crazy time of insurance coverage."
Michelle Mann
"James was excellent at explaining the different insurance options available. A huge help when I didn’t understand any of it! I am happy to have found a reliable source."
Valerie Lilljedahl
"Thank you for all your knowledge and support guiding me in the perfect fit plan for me."
Dennis Rufino
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