Chris Bumgardner, Medicare Insurance Broker
Chris Bumgardner
Medicare Broker Licensed in IL, CO, FL, MI and TN
Contact Details
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Location
Springfield, IL
About Me
For me, Medicare isn't just about choosing a health plan—it's about helping people feel confident and supported during an important stage of life.
As a licensed Medicare agent, I proudly serve clients in Florida, Tennessee, Illinois, Michigan, and Colorado. Having grown up in Illinois and now calling Florida home, I enjoy helping individuals and families navigate their Medicare options with clear, honest guidance.
In addition to my work as a Medicare agent, I have spent many years working in healthcare as a Registered Diagnostic Cardiac Sonographer. Every day, I meet people who are concerned about their health, medical costs, and the challenges that come with aging. Those conversations have given me a deep appreciation for the importance of listening, showing compassion, and treating every person with dignity and respect.
Seniors have always held a special place in my heart. I believe every client deserves the time to ask questions, understand their options, and make informed decisions without feeling pressured. My goal is to simplify Medicare and provide personalized guidance based on each person's unique needs.
I am proud of the long-term relationships I have built with my clients. My high client retention rate reflects the trust, service, and ongoing support I strive to provide long after enrollment.
Whether you're new to Medicare, moving, retiring, or simply reviewing your current coverage, I look forward to helping you understand your choices and making the process as easy and stress-free as possible.
Q&A with Chris Bumgardner
I'm caring for my spouse with dementia and experiencing caregiver burnout. Will Medicare cover any mental health support for me?
Answer: If you have your own Medicare coverage, PartB can help you with mental health services (therapy, counseling, psychiatric and certain preventive services). Medicare covers both in person and telehealth services. These services may require a 20 % copay after meeting Part B deductible.
What is the biggest disadvantage of Medicare Advantage?
Answer: You are limited to certain doctors and hospital's (HMO and PPO networks), and you may need referrals to see specialists, if you go out of network, it can cost more, or may not be covered at all.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: I wouldn't say one is better than the other- it depends on what's most important to you. My job is to help you find the best fit for your needs and budget.
Is Medicare Part A enough for hospital coverage?
Answer: Part A covers hospital stays, but it is not always enough on its own. Most people need more than Part A.
Consider Part B, covers Doctors, outpatient services and diagnostic testing.
Consider Medicare Supplement or Medicare Advantage, Part C.
Consider part D, prescription drugs.
What's one hidden Medicare expense that people don't think about until it's too late?
Answer: Skilled Nursing Facility Costs. Days 1-20, Medicare pays 100%. Days 21-100, the member pays a daily co-pay. After 100 days, Medicare no longer covers expenses.
How do you educate clients who are completely new to Medicare?
Answer: It is very important to explain policy details to any Medicare client. Medicare is overwhelming. Repeat if necessary. Slow down, and make sure they understand before you move on. This will gain trust and credibility.
What do you enjoy most about working with Medicare clients?
Answer: I enjoy developing relationships with my Medicare clients. Prior being an Insurance Broker, my career was a Registered Diagnostic Cardiac Sonographer. I worked daily with Seniors performing a variety of heart procedures. I made sure my patients felt comfortable and answered any questions. Educating Seniors and answering questions about Medicare is a necessity. Medicare can be overwhelming. My patients always trusted me as a cardiac sonographer, I want my clients to trust me as a a Medicare Broker. Trust is a Must!
I love the idea of representing multiple Insurance carriers to ensure that my clients can see all available options with different pricing. I always conduct a needs assessment to understand my client's specific healthcare requirements. I prioritize welfare over making a sale.