The Kirscht Insurance Agency - A Independent Medicare Broker

08/01/2026

🚫 Medicare Myth:

"Medicare covers everything."

✅ Reality:

While Medicare provides excellent coverage, it doesn't pay for everything. Depending on your needs, you may want additional coverage for prescriptions, deductibles, coinsurance, or other healthcare expenses.

Have questions? I'm here to help.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

07/27/2026

🎂 Turning 65 in the next few months?

If so, now is the time to start learning about Medicare.

Many people don't realize:
❓ You have a limited enrollment window.
❓ The plan your neighbor loves may not be the right fit for you.
❓ Waiting too long to enroll could result in lifelong penalties in some situations.

My job isn't to pressure you into a plan—it's to help you understand your options so you can make an informed decision.

During a no-cost Medicare consultation, we'll discuss:
✅ Medicare Parts A, B, C & D
✅ Medicare Advantage vs. Medicare Supplement plans
✅ Prescription drug coverage
✅ Your doctors and prescriptions
✅ Your enrollment timeline

If you're turning 65 soon, comment "MEDICARE" below or send me a message. I'll be happy to answer your questions.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

07/02/2026

😂 Happy International Joke Day!

Here's one for you...

Why did the Medicare beneficiary bring a ladder to the doctor's office?

Because they heard their benefits were on another level! 😄

Okay... maybe I should stick to helping people understand Medicare instead of stand-up comedy.

If you're turning 65 soon—or already on Medicare—and have questions about:
✅ Your benefits
✅ Prescription drug coverage
✅ Medicare Advantage vs. Medicare Supplement plans
✅ Enrollment timelines

I'm happy to help.

Drop your favorite clean joke in the comments, or send me a message if you have Medicare questions!

Happy International Joke Day! 🎉

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

06/25/2026

🎉 Are you—or someone you know—turning 65 soon?

Medicare can seem complicated, but it doesn't have to be.

I help people understand:
✔️ When to enroll
✔️ Which plans fit their needs
✔️ How to keep their doctors
✔️ Ways to manage healthcare costs

If you're celebrating your 65th birthday this year, congratulations! 🎈

Drop a 🎂 in the comments or send me a message, and I'll answer your Medicare questions.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

06/16/2026

🤔 Turning 65 and wondering:

• When do I enroll in Medicare?
• What's the difference between Medicare Advantage and a Supplement?
• Will my doctors be covered?
• What about prescription drug coverage?

You're not alone—these are some of the most common questions I hear.

I help people turning 65 understand Medicare in simple, easy-to-understand terms so they can make informed decisions about their coverage.

📩 Reach out if you'd like to schedule a no-cost Medicare review.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

05/27/2026

"I don't want to seem like I don't know what I'm doing."
We hear this almost every week from people turning 65. Folks who have run businesses, raised families, and made confident decisions for forty years. Then a Medicare envelope shows up, and suddenly they feel embarrassed to ask what Part B actually costs.
Here is what we want every person approaching Medicare to know: you are allowed to ask anything.
You are allowed to say:
"I don't fully understand this yet."
"Can you explain that again in plain language?"
"I'm not sure which plan I chose, or why."
"I think I may have missed my enrollment window."
"I need to compare this to what my doctor actually accepts."
"I made the wrong choice and I need help changing it."
None of those sentences make you look uninformed. They make you someone who is about to make a better decision.
The costly Medicare mistakes we see almost always trace back to the same root: someone felt too proud, too rushed, or too overwhelmed to ask a question they thought they should already know the answer to. Late enrollment penalties. Plans that don't cover their doctor. Drug coverage that doesn't include their prescriptions.
All preventable. All started with a question someone was afraid to ask.
If you are turning 65, recently retired, or sitting on a stack of paperwork wondering where to start, we will answer the question. No judgment, no pressure, no assumption you should already know this.
You are allowed to ask. That is the whole job.

05/07/2026

Turning 65 soon or already on Medicare? Don’t let common Medicare mistakes cost you money. 💡
This week’s Medicare Tip:
Review your coverage every year — even if you’re happy with your current plan. Premiums, prescriptions, provider networks, and benefits can all change.
A quick annual review can help you:
Lower your costs
Keep your doctors
Make sure your prescriptions are covered
Add benefits you may be missing
Questions about Medicare Supplement, Advantage, or Part D plans in Thornton and the surrounding areas? I’m here to help make Medicare simple.
📞 (720) 375-5479
🌐 KI Medicare

05/01/2026

👉 Turning 65 Soon? Don’t Guess Your Medicare Options

Medicare Myth vs Fact 👇

❌ Myth: Medicare covers everything
✔ Fact: There are gaps—choosing the right plan matters

❌ Myth: You’re automatically enrolled at 65
✔ Fact: Many people must enroll themselves

❌ Myth: All plans are the same
✔ Fact: Coverage and costs can vary significantly

If you’re turning 65 soon, let’s make sure you get it right the first time.
📞 (720) 375-5479
🌐 ki-medicare.com

04/28/2026