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Get The Right Medicare Plan For You
Get The Right Medicare Plan For You
💰 Save Money with Competitive Offers
👨🏫 Get Direct and Local Expert Advice for Free
☮️ Peace of Mind with Regular Coverage and Cost Reviews
🙌 Representing YOUR best interests, not the Insurance Company's
Let's Talk!
Let's Talk!
I'm here to answer your questions.
Cody Hebden, MBA, CLU, FLMI
We are authorized to offer Medicare Insurance plans from many well known, value added, and reputable carriers. We believe these companies offer great value and benefits for our clients in the Carolinas based on coverage, cost, and financial stability.
What People Are Saying
What People Are Saying
Robert W.
Robert W.
“Knowledgeable, Patient, Understanding, Recommend all to talk to Cody before making any Medicare decisions.”
Ross C.
Ross C.
"Cody is a detail-oriented financial consultant in the insurance industry. His deep knowledge of the financial products he represents allows him to put together the right products and services for your individual needs. He knows how to get the best results for his clients."
Christine H.
Christine H.
“Cody is an extremely knowledgeable, dynamic individual. He is confident and takes great pride in his work.”
Here's what to expect - In 3 Easy Steps
Here's what to expect - In 3 Easy Steps
Step 1: We get to know one another in a free consultation call.
Step 1: We get to know one another in a free consultation call.
I'll explain the ins and outs of Medicare, like Part A and B, and how to choose between Traditional Medicare (Medigap Supplements) and Medicare Advantage. Next we'll discuss your medications, doctors, travel habits, and personal preferences, then narrow your options and explain next steps.
Step 2: In our second call, we finalize your plan choice.
Step 2: In our second call, we finalize your plan choice.
Once you have your Medicare number (don't worry - you'll know exactly how to get this!), we'll choose the right Medicare Advantage or Medigap Supplement plan for you. We'll make sure your medications and doctors are covered, and that you're aware of trade-offs. Then we'll enroll you!
Step 3: I reshop your coverage every year to ensure you continue to get the best deal.
Step 3: I reshop your coverage every year to ensure you continue to get the best deal.
Every October, I proactively analyze your coverage, along with your doctors, medications, and lifestyle, to compare it to other plans on the market to make sure you're getting the best coverage and value. If you're not, I'll help you switch.
FAQS
FAQS
What does this cost me?
What does this cost me?
There is never a cost to you. I am compensated from the insurance company directly, but only upon the sale of a product. But don’t worry; this payment isn’t coming from your premiums. In fact, premiums are regulated by individual states and would not be any less expensive if you purchased directly from the company. The difference is, I represent YOUR best interests, not the Insurance Company's.
How do you choose what plans to recommend?
How do you choose what plans to recommend?
I prioritize plans and options that cover all your concerns, including your doctors, prescriptions, and pharmacies. I also review the insurance company's financial stability and rating, including other financial indicators such as past rate increases, their loss ratio, and other considerations. Then I research to find the best price. Regardless of whether I get paid, I'll recommend the best plan for your situation.
How does the reshopping process work?
How does the reshopping process work?
Every year at certain times, you're elgible to switch plans, and I take care of that process for you. By reshopping your plan every year, I can ensure that your plans continue to cover your needs and you never overpay.
I'm required to put a "disclosure" statement here. Please read it if you are having trouble falling asleep. Trust me - It's boring fine print.Insurance of the Carolinas provides Medicare-related insurance coverage to North Carolina, South Carolina, Michigan, and Ohio. Coverage subject to underwriting approval.I am not connected with or endorsed by the U.S. Government or the Federal Medicare Program. There is never a fee or any extra cost to you to use my services to help with your insurance, because insurance companies pay agents. My consultation, advice, and time are always free. When you sign up for a policy with me as your agent, the insurance company pays me as the agent - and I will be responsible to continually help you. This is how I earn a living and put food on my table. We do not offer every available plan in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. By contacting Insurance of the Carolinas, you are connecting to a licensed insurance agent certified to sell insurance products. CALLING THE NUMBER ABOVE WILL DIRECT YOU TO A LICENSED INSURANCE AGENT.
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