Pepple Insurance

Your Medicare Concierge

Helping you Navigate the Medicare Maze

About our Agency
Welcome to Pepple Insurance, your trusted partner in navigating the complexities of Medicare coverage. As a team of dedicated Insurance Brokers, Pepple Insurance is committed to helping you find the best insurance solutions that align with your health needs and budget.

Our expertise ensures that you're informed about all the options available under Medicare, including Parts A, B, C, and D as well as Medigap plans. Let us guide you to the ideal policy for a secure and healthy future.

Licensed In: AL, AZ, AR, CA, CO, FL, ID, IL, IN, IA, KS, ME, MI, MN, MO, MT, NE, NV, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI, WY

Contracted wtih all the Major Insurance Carriers

PERSONALIZED MEDICARE GUIDANCE

Receive insurance guidance tailored to your lifestyle, financial goals, and personal preferences.

MEDICARE EDUCATION & CONSULTATION

Pepple Insurance offers Medicare 101 educational meetings and ongoing consultations.

CONSULTATIONS FOR PROFESSIONALS

If you’re a professional working with Medicare beneficiaries, we are available to partner with you as your dedicated Medicare resource.

Alexis Pepple, MBA

Managing Broker

Alexis has been a Medicare Broker since 2018 after a decade plus in the Financial Services industry. She enjoys educating and guiding people through the Medicare Maze. Alexis comes from a place of education, the goal is to never felt sold, this a decision made together, based on each clients unique needs. Her clients are her top priority.

Nina Besant

Agent

Nina has been in the insurance space for 10 years. What she enjoys most about her career is meeting all different walks of life. She appreciates how this industry is constantly changing and she continues to learn new things all the time.

Bill Pierson

Agent

Bill's approach to Medicare is rooted in treating customers as individuals, not sales. He has become a subject-matter expert over the last 6 years, having spoken with thousands of people about their Medicare insurance needs. His philosophy centers on ensuring customers feel valued and informed, guiding them through the complexities of Medicare insurance to make decisions that are truly right for them.

Aurora McCarroll

Agent

I am a licensed Medicare Insurance Broker and provide best-in-class guidance for people navigating Medicare. My goal is to provide white-glove service and ongoing consultation to review any changes or new options each year.

Kevin Humes

Agent

I enjoy helping people with their Medicare insurance plan options. There is much to know and navigate. Let's get it right together!

Read More  

Mary Jo Heins

Agent

MaryJo spent 15 yrs managing medical practices and served as President of the Colorado Medical Group Management Association. She actively assist clients with their Medicare A & B enrollment as well as finding a Medicare plan to suit their needs. Clients appreciate her helping discern the best plan for their lifestyle, health and finances.

Craig Hoover

Agent

Craig entered the Medicare market in 2018 and has enjoyed helping those turning 65 explore their Medicare options. He values the importance of understanding his clients needs and helping to find the best plan for their unique needs.

Barbara Elsasser

Agent

Barb has been in the Property and Casualty Insurance business for over 40 years. In 2020 she was looking into Medicare for herself and decided she could help other people turning 65 through the Medicare process. She likes getting to know people and helping them find the best plan to fit their needs.

Martin Jiminez

Agent

I have been helping people navigate Medicare for the first time as well as offering analysis for existing clients for 6 years. Understanding Medicare can be a challenge, but I strive to offer an extensive description of how it works while providing my expertise and guidance for the many Medicare options that are out there.

Dan Irland

Agent

MEDICARE PART A

PART A of Medicare is your hospital insurance. This part of Medicare provides you a semi-private room for your hospital stay and with meals and medical services while you are in the hospital. It also helps cover common hospital expenses for services. A few such examples are hospice, home health care and skilled nursing facilities, as well as blood transfusions requiring more than three pints of blood. Part A is premium-free for most people as long as they have worked at least 10 years (or 40 quarters) and paid into social security in the United States, or are married to someone who is at least 62 and has worked for that amount of time. Sometimes particularly healthy people wonder if they may need only Part A. Perhaps they don’t use many medical services yet and so they wonder if they can get away with Part A alone. They do not take into account that there are many things that happen in a hospital that fall under another part of Medicare – Part B, so it’s important that you enroll in both A & B unless, you have other coverage coordinating with Medicare such as VA insurance.

Medicare Part B

PART B of Medicare is for outpatient services that are deemed medically necessary. Medicare Part B includes coverage for services like doctor office visits, lab testing, diagnostic imaging, preventive care, surgeries, ambulance rides, chemotherapy and radiation, and even extensive dialysis care for people with renal failure. Although many of these procedures may occur in a hospital, some may fall under Part B since they are provided by physicians, so it’s not always easy to determine what is inpatient versus outpatient care. Sometimes people will ask us if they really need Part B. The answer for most people is absolutely, especially if Medicare will be your primary coverage or only coverage. Parts A and B together make up what we call “Original Medicare”. They are the only two parts that you will sign up for at the Social Security office or Railroad Retirement Board. Even if you select a Medicare Advantage or a Medicare Supplement Plan (Medigap), you will still sign up (and pay for) for Medicare Parts A and B. Many people pay for their Part B premium directly from their Social Security check.

Medicare Part C

Part C (Medicare Advantage) plans typically combine Parts A, B and D in one plan; though, some Medicare Advantage plans are available without Part D prescription drug coverage (i.e. when you already have creditable prescription drug coverage through another source, such as the VA). Medicare Advantage plans often include additional coverages such as vision, hearing care, dental and even gym memberships. A Medicare Advantage plan may resemble a group plan you are used to from a previous employer. Often times, it will be an HMO, or a Networked group of doctors and medical practitioners. You will still be able to utilize the plan when out of your coverage area for covered Emergency and Urgent care services. However, it’s important to bear in mind, your Primary Care Physician and main network of medical specialists will be within the Network. Additional perks of Medicare Advantage Plans may include Over the Counter credits which are added to your account quarterly.

Medicare Part D

Part D is your prescription drug coverage. Unlike Medicare Part A and B, you will not enroll in Part D through the Social Security office. Instead, you will select one of the Part D plans available in your area from private insurance carriers. Medicare drug plans are optional. You’ll have a monthly premium that you will pay to the insurance carrier. In return, they give you significantly lower copays on your medicines than you would pay if you had no Part D insurance. There are rules for when you can enroll and disenroll from these drug plans, so be sure to visit the Medicare Part D section of our website for more details about how your drug coverage under Medicare will work. Like Parts A and B, if you do not sign up for Part D, you will face penalties if you enroll later. Please note that most since most Medicare Supplement plans do not provide creditable Part D coverage, you will want to enroll in Part D separately to avoid penalties down the road if your plan does not.

Medicare Supplement

Medicare Supplement Insurance (aka Medigap) are used to help pay for some of the healthcare services covered/allowed by Medicare but not fully paid for. In other words, it helps fill some of the gaps of Original Medicare coverage. There are different Medicare Supplement Plan Options, G and N are the most popular plans available on the market currently.

How do I enroll in Medicare A & B?

Check out this video on how to enroll in Original Medicare, Part A & B through your My Social Security Account online.

VIDEO: How to Apply for A & B​​​

Can I change my Medicare coverage each year?

In most cases yes, you can change your coverage each year during the Medicare Annual Enrollment Period which runs from October 15 through December 7.  

Here is a helpful video on the changes you can make and some of the hoops you may have to jump through to change between certain Medicare plan options.

VIDEO: Changing Plans

How are my Part B Premiums determined and what is IRMAA?

Your Part B Premiums are determined based on your Modified Adjusted Gross Income as reported in your tax return from 2 years ago.  If I am enrolling in Medicare in 2024, they will base it off my MAGI from my 2022 tax return.  In 2025 they will look at 2023, in 2026 they will look at 2024, ect.

Medicare will look at my 1040 Tax Form, specifically line 11 plus line 2a. Watch this video to see a full explanation and the current Part B Premium amounts.

VIDEO: IRMAA Explained
VIDEO: 2024 Part B Premiums Explained
VIDEO: 2024 How to Read My Medicare Premiums Bill


What the heck is the Donut Hole and will it affect me?

Oh this is a fun one...when you enroll in Medicare, whether your drug plan is built into a Medicare Advantage Plan or you have a stand alone Part D drug plan, every Medicare beneficiary is susceptible to the 4 stages of Drug Coverage as dictated by the Centers for Medicare and Medicaid.

Depending on the medications you are taking and the Tier they fall in on your drug plans formulary you may, or may not get into the Donut Hole. Reviewing your drug coverage each year is so important - set up a review and we can make sure you have the best drug plan for you.

Here is a video on the 4 Stages of Drug Coverage

VIDEO: Donut Hole Explained
VIDEO: Big Changes for 2025 - NO MORE DONUT HOLE

What if I have retired, can I reduce my Part B Premiums?

Yes, if you have had a life changing event of work stoppage (retirement) you may be able to petition Medicare to lower your Part B Premiums if you have also had a reduction in your income.

Watch my video to learn more.

VIDEO: SSA 44 Explained

How do you as a Medicare Broker get paid, is there a fee?

I get this question all the time, the way that we are compensated is through the Insurance companies, when we write a policy they pay us a commission.  These commissions are regulated by the Centers for Medicare and Medicaid.  I want to do what is best for my client based on their needs.

You do not pay us anything and you do not pay more or less because you worked with us. We just take the guess work out and make the process much easier than navigating Medicare on your own. Plus were are there for you after the enrollment, we are the first line of defense for our clients when thay have questions or issues arise.

VIDEO: Who I Am

Looking for other Medicare info?

Here are some additional videos and resources to help you understand Medicare.

VIDEO: Medicare 101 Pre-Recorded Webinar - Everything you need to know!