Craig Kirscht, Medicare Insurance Broker
Craig Kirscht
The Kirscht Insurance Agency LLC
Medicare Broker Licensed in CO, FL, IA, OK and SD
20+ Years of Experience
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Thornton, CO
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About Me
Simplifying Medicare: My Mission to Help You Navigate Healthcare with Confidence
When I first began my journey as a Medicare advisor, I quickly realized how confusing and overwhelming the system can be for many people. I met seniors drowning in paperwork, families struggling to understand their options, and individuals worried about making the wrong decision for their healthcare future. Medicare is meant to provide security, yet too often, it creates stress.
That’s why I made it my mission to simplify the process and provide clear, personalized guidance. Instead of bombarding my clients with jargon and fine print, I break everything down into easy-to-understand choices, ensuring they feel empowered rather than overwhelmed.
Why I Do What I Do
Over the years, I’ve spoken with countless individuals who delayed enrolling in Medicare simply because they didn’t know where to start. Some ended up paying penalties, while others missed out on coverage that could have significantly improved their quality of life. I knew that with the right guidance, they wouldn’t have to go through that uncertainty.
Medicare isn’t one-size-fits-all. Every person has unique needs, preferences, and budgets. That’s why my approach is personal—I take the time to understand your health priorities, prescriptions, and financial situation to find the best plan for you.
How I Help
Whether you’re new to Medicare or reviewing your current coverage, I make the process simple by:
Explaining Medicare in clear terms – No confusing language, just straightforward answers.
Comparing plan options tailored to your needs – Medicare Advantage, Supplement, and Prescription Drug Plans.
Ensuring you maximize benefits – Helping you avoid unnecessary costs and late penalties.
Providing ongoing support – Your healthcare needs may change, and I’ll be here to adjust your coverage as needed.
More Than Just Plans—A Trusted Partner in Your Healthcare Journey
Choosing Medicare coverage is about more than just picking a plan.
Directions to My Office
Q&A with Craig Kirscht
What's your go-to strategy for helping someone decide between Medicare Advantage and Medigap?
Answer: To help someone choose between Medicare Advantage and Medigap, I ask:
Health Usage: Frequent doctor visits or chronic conditions? → Medigap.
Budget: Want low monthly premiums? → Medicare Advantage. Prefer predictable costs? → Medigap.
Doctor Choice & Travel: Want nationwide coverage and keep any doctor? → Medigap. Okay with networks? → Medicare Advantage.
Drug Coverage: Want it included? → Medicare Advantage. Don’t mind a separate plan? → Medigap.
Simplicity: Want one bundled plan? → Medicare Advantage. Don’t mind piecing it together? → Medigap.
It's important to have a conversation going over all of this and find out what fits best for each individual. There are lots of plans out there with different benefits. Not all may fit your needs.
Does Medicare cover Ozempic and other drugs prescribed for weight loss?
Answer: It is coverage but not for weight loss yet. The drug may be covered with prior authorization. It is covered for type 2 diabetes.
Why does Medicare allow insurance companies to bombard seniors with confusing mail and TV ads?
Answer: Honestly from my perspective, there is no real hard check on these companies that send them out. They are able to send out mailers that are misleading and run ads that do the same. Unfortunately that is what advertising as come to.
Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?
Answer: Original Medicare with a Part D plan might be a better choice than a Medicare Advantage (MA) plan for frequent travelers for several key reasons: Nationwide coverage and Provider flexibility. If you travel often Original Medicare with Part D gives you the broadest, most flexible access to care across the US without having to worry about networks, service areas, or referral hoops.
I'm confused about when I can change my Medicare plan. Can you clarify the different enrollment periods for me?
Answer: You have a couple of times during the year that you can enroll. Every year you have the Annual Enrollment Period from October 15 - December 7th. During this time you can make as many changes as you want to your Medicare Advantage, Medigap Insurance, and Prescription Drug Plans. Any change that you make will be effective for January 1st of the next year.
You will also have a Open Enrollment Period from January 1st until March 31st to make one change to a Medicare Advantage plan. There may be other opportunities through out the year but those are for special circumstances that may happen - moving or disanster declarations are good examples.
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Don't just choose the plan with the most extra benefits—make sure your doctors, hospitals, and prescriptions are actually covered. That is more important than the over the counter or other benefit that's all bright and shiny.
Many seniors learn the hard way that a plan with extra benefits isn't always better if it doesn’t include their preferred providers or if prescription costs end up being much higher. A little homework upfront can save a lot of stress (and money) later.
Should there be stricter regulations on Medicare Advantage marketing and sales practices?
Answer: Short answer - yes and long answer it's complicated. Deceptive marketing is a problem with some marketers using confusing and misleading messages. Not to forget the people turning 65 that get a overwhelming amount of marketing calls, emails, and letters. To the point that a person feels as if they are underseige. While most agents are ethical who actually care about clients, there are definitely bad actors out there who game the system and chase commissions. People then get put into a plan that does not meet their needs.
The intent of stricter regulations is good but it could also hinder the good agents but adding more red tape to do the right thing. Not every agent is going to be deceptive. Most agents have good intentions and want to do right by the client.