Understanding Medicare

Medicare can be overwhelming.

Medicare is one of the most complicated types of insurance in existence. We know this because we live it every day. Many are overwhelmed and bombarded with ads on TV and paperwork in their mailbox. What should you pay attention to? What can you ignore?

That's where we come in. Our licensed team of agents make understanding Medicare easy!

We do not offer every plan available in your area.  Currently we represent 8 organizations which offer 104 products in your area.  Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options.

Browse the FAQs
L&H Headshots August 2025 2
Jeni Olander
Jeni Olander – Jeni works out of the Hinckley office and is available to meet by appointment. She brings over 23 years of experience, is knowledgeable, and helps to make you feel comfortable. Even as stressful as insurance can be, you'll leave her office smiling!
Holly Alleman
Holly Alleman – Holly has been with us for over 5 years now and has a pharmacy background. She has been a valued resource to us and our clients with this knowledge! Holly works out of our Hinckley office primarily and our Finlayson office by appointment.
Sarah Allen
Sarah Allen- Sarah started her insurance career in 2024 and came to us with a dedication and desire to help our clients like no other. Sarah works primarily out of our Hinckley office and goes to our Mora office by appointment.
Hailey Lewis
Hailey Lewis - Hailey is our newest agent joining the Life & Health team in 2025. She brings with her a strong work ethic and is ready to help you with any questions or concerns you might have. She has been an excellent addition to our team, and we are lucky to have her! Hailey works out of our Hinckley office.
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Call (320) 733-1039

Medicare FAQ

We've put together a series of video shorts to help answer the most common questions about Medicare.

Have more questions? Contact us at      (320) 733-1039 or email us HERE.

MEDICARE ANNUAL ENROLLMENT BEGINS OCTOBER 15, 2025

THE NEXT ANNUAL ENROLLMENT PERIOD IS OCTOBER 15, 2025 AND GOES UNTIL DECEMBER 7, 2025 FOR THE 2026 PLAN YEAR. OUR TEAM IS HERE TO HELP YOU MAKE INFORMED DECISIONS
Take me to the Medicare Annual Enrollment Period (AEP) page