To speak with a licensed agent, call (775) 853-8389 (TTY 711 M-F, 9am-5pm) or email Ron@RonHows.com or Susan@MedicareAdvisorsNV.com

Medicare Advisors

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!







      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Get Free and Friendly
      Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Medicare’s “Donut Hole”

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Special Needs Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Frequently Asked Questions


      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?

      Testimonials

      Here’s what our clients say about our service…


      My earliest memory of medicine is an evening visit to our third-story, walk-up apartment by Dr. Deitrick, our family physician, to take my temperature, listen to my four-year old heart and lungs, and give me a shot to cure me. It worked, I guess. After that, I set the family record for most cuts, bruises, and injuries, of the six…

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      Thomas Flynn

      My earliest memory of medicine is an evening visit to our third-story, walk-up apartment by Dr. Deitrick, our family physician, to take my temperature, listen to my four-year old heart and lungs, and give me a shot to cure me. It worked, I guess. After that, I set the family record for most cuts, bruises, and injuries, of the six children, requiring medical attention. The medical world was simple then.

      Beginning in the Fall, my mailbox was filled every day with Medicare Supplement plans and the TV ran non-stop ads with celebrity barkers, Joe Namath for example, touting the benefits of their sponsored plans. In December I decided to “explore” Medicare supplement plans myself. The thought terrified me, what would it cost, would it be flexible, comprehensive, could I retain my doctors, would they accept the plan? I had become quite comfortable with the WCSD medical plans and was, like others, reluctant to change. But family and friends suggested I look at other plans for significant savings. I knew immediately that finding the right plan by myself was way above my paygrade. It would be like climbing the north slope of Mt. Everest blindfolded in mid-winter. I needed help; I needed a Sherpa Guide. And I found one, her name is Susan Kist.

      Susan sat at a table near the exit of Smiths in south Reno. On the table, Medicare supplement literature. I walked by her at least ten time, until one day I summoned the courage and stopped to ask her my list of questions. She listened carefully and proceeded to answer all my questions and quickly describe all the options available. And, this is important, she is not only knowledgeable, but she’s extremely affable, approachable, humorous, and efficient. She is also a bit of a teacher, giving me a crash-course on supplement plans that helped me make my own decisions. She was not selling me, up or down, on any plan, just guiding me through the pitfalls and perils of modern medical plans.

      At a follow-up meeting in her office, we reviewed my requirements, and she gave me more details on the available plans. I selected and was accepted into a plan that offers the benefits I requested within a week. You helped there. I’ll be saving about $6,000 each year. For me, that’s a month of SCUBA diving at an all-inclusive resort in Cozumel, Mexico, airfare included. During that meeting, it occurred to me that there must be other retirees in the school district like me: reluctant to change, filled with uncertainty, but happy to save a buck if there is no loss of benefit. And willing to listen to an informed, friendly and reassuring third party on options. I suggested that Susan contact you to see if your office or the district has a need for her services. I’ve enclosed her business card which says in three words what I tried to in 500 words: Making Medicare Simple. I’m half Irish, gift-of-the-gab gene.

      You were very helpful in this effort; I hope you’ll find this story as helpful.


      Thomas Flynn

      I attended one of Ron’s seminars about Medicare, then scheduled a private appointment, and purchased medigap, dental, and Part D (prescr. drug) policies. Medicare is complicated, but Ron does a great job explaining the options and the advantages/disadvantages of each. It was nice to have several insurance companies to choose from, and a…

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      Paul Vandervoort
      Yorba Linda, CA

      I attended one of Ron’s seminars about Medicare, then scheduled a private appointment, and purchased medigap, dental, and Part D (prescr. drug) policies. Medicare is complicated, but Ron does a great job explaining the options and the advantages/disadvantages of each. It was nice to have several insurance companies to choose from, and a knowledgeable agent to cut through the noise and share the inside scoop of which providers to consider, and why. Ron understands how confusing Medicare is for ordinary folks like myself. He was very patient as I asked a question or two which he had already answered previously. Thumbs up!


      Paul Vandervoort
      Yorba Linda, CA

      Articles and Information


      Medicare Annual Election Period Is About to Begin

      Each fall, from October 15 to December 7, the Annual Election Period allows you to review different Medicare plans and choose one that best suits you.

      Read More

      Why You Should Review Your Medicare Coverage Every Year

      Why would you review your coverage each year and possibly make changes to your plan or plans? Actually, there are several great reasons for doing so.

      Read More

      Mark These Important Medicare Dates on Your Calendar Each Year

      Mark these dates on your calendar so that you won’t overlook one of these important enrollment windows.

      Read More

      How Medicare Coordinates with Health Insurance From Your Employer

      Contact us to speak with a licensed agent if you have any questions about how Medicare can coordinate with insurance from your employer.

      Read More

      Medicare Premiums and Deductibles Will Change in 2023

      The Centers for Medicare and Medicaid Services has just released the new premium and deductible amounts for 2023. Here’s what you need to know.

      Read More

      Social Security Recipients are in Store for a Nice Raise!

      Beginning in January, Social Security beneficiaries will receive one of the largest-ever cost of living increases (COLA).

      Read More

      Take Note of This Change for Medicare Sales Calls

      Going forward, when you first speak with a broker or agent regarding Medicare, they will be required to record the entire phone call.

      Read More

      New Retirement Plan Contribution Limits Announced for 2023

      The IRS has increased retirement plan contributions for 2023. Here’s what you need to know.

      Read More

      Medicare Annual Election Period Ends December 7

      The Annual Election Period ends soon, so don’t wait to start the process of evaluating your options! Here’s what you need to do right away.

      Read More

      Read Additional Articles

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