Joshua Cooper, Medicare Insurance Broker
About Me
I run a Life and Health Brokerage focused on the Senior Market educating clients and providing Peace of Mind. Our focus is making sure every senior is in the correct Medicare plan understanding their healthcare and saving their money for the things they love.
My Google Reviews
75 Total Reviews (5.0 )
October 21, 2026
Sophia has been very helpful!
October 19, 2026
Ty Kelesy for helping me getting the problem resolved
October 15, 2026
Kelsey was amazing!!! She made everything we needed to take care of quick and seamless. She was also very kind and incredibly helpful
October 12, 2026
Always helpful,
October 7, 2026
Kelsey made the process simple and easy! Amazing and she was so friendly!!!
Q&A with Joshua Cooper
What should I look for in a Medicare plan if I travel frequently both domestically and internationally?
Answer: If you travel frequently, I would strongly recommend going with a Medicare Supplement Plan G. This is the most comprehensive plan and allows you to avoid having a network you must go to.
Can you just have A and B and not enroll in anything else and still have good coverage?
Answer: If you have A&B, you are not covered adequately. Original Medicare only covers 80% of your coinsurance, leaving you with too much risk. 20% coinsurance without a cap is a recipe for disaster.
How does losing a spouse impact my Medicare plan if I was on their employer coverage?
Answer: If you were on their employer plan and are getting kicked off the plan, you get a special enrollment opened up, so now you can enter either a Medicare Supplement or a Medicare Advantage plan.
Will my Medicare plan work when traveling to Europe?
Answer: Medicare supplement with the international care benefit. You should consult a broker to see about additional travel insurance.
What do I need to do if I didn't take Medicare at 65 and am now retiring?
Answer: You simply need to go apply for Medicare Part B on ssa.gov.
Then you should schedule a custom appointment to get an individualized plan with myself or one of our Medicare Coaches.
Should Medicare cover dental, vision, and hearing, or would that just make it more expensive for everyone?
Answer: If Medicare covered dental, vision and hearing, it would increase the cost to taxpayers, no doubt. These services are provided by independent practices, so it is most cost-effective for them to be offered through private companies such as Humana, Aetna, Manhattan Life, etc.
What is one of the the most common misconceptions people have about Medicare?
Answer: One major misconception people have about Medicare is the misinformation on social media or the information they received from a friend or neighbor. Most Medicare beneficiaries don’t know that all Medicare Supplement plans are standardized, meaning each carrier offering Plan G is the exact same coverage at different prices.
Also, many beneficiaries do not realize new plans can get introduced into the market yearly.
I've been on a Part D plan for a while, and I'm wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: In 2024, the Inflation Reduction Act had a major impact on the Medicare space, specifically Part D and drug plans. It is important to review your drug plan each year to make sure you are up to date on any relevant changes. This usually can be done within 5-15 minutes for each of our clients.
How do you educate clients who are completely new to Medicare?
Answer: When someone is brand new to Medicare, it is critical to understand their current health, their risk tolerance, as well as their income and ability to pay premiums.
I always educate new-to-Medicare individuals on both options for additional coverage: Medicare Supplement (more costly, but generally better quality of care) or Medicare Advantage (less costly upfront but consists of copays and max out-of-pocket).
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: Turning 65 next month, I would stop what I am doing and go apply for Medicare Part A and B on SSA.gov. This online application process is very simple and streamlined and can be done from your home. Once you apply, they will give you a confirmation code, and you can track the processing.
Once you get approved for Medicare, you will receive a letter in the mail as well as your Red, White and Blue card. Keep this card in a secure place and contact me to help you understand your options whether a Medicare Supplement or a Medicare Advantage plan is the right fit for you.
