Joshua Wood, Medicare Insurance Broker
Joshua Wood
Lokal Insurance Group
Bilingual English & Español
Medicare Broker Licensed in KS, AZ, CO, MO, NE, OK, OR and TX
17+ Years of Experience
Contact Details
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Location
Wichita, KS
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Phone
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Website
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Schedule An Appointment
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Facebook
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YouTube
Joshua Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
I started in this industry back in 2009 and have always dealt with the medicare alphabet soup! In my time I've been able to advise thousands of clients cumulatively saving over 1 MILLION in premiums, deductibles, copays, and insurance cost. Customer service isn't just some word we throw around at our agency it's what we live by! It's our competative advantage! And it's what makes all the difference for the people we help and that we call friends. Even if you have never had a bad experience with insurance or medicare products, give me a call and come see what a world of difference a REAL Medicare and retirement GURU can provide.
Directions to My Office
My Google Reviews
11 Total Reviews (5.0 )
November 25, 2025
Josh is very professional and knowledgeable with the current updates affecting Medicare and advantage plans.
November 22, 2025
Lokal insurance has helped my Medicare and retirement needs for over 8 years. Josh is great at breaking it down in language I can understand and is honest and trustworthy!
November 19, 2025
Josh pays attention to clients needs, has a desire to help and educate and is very knowledgeable on services to provide the best possibilities for his clients.
November 19, 2025
Josh Wood is an excellent Insurance Broker he’s with LOKAL INSURANCE GROUP
May 14, 2026
Great People, knowledge and easy to work with! Thank you Josh & Krista for your services!
Q&A with Joshua Wood
Are there disadvantages to working with a Medicare broker/agent?
Answer: Information bias or plan bias is the only thing you should be concerned with any person youre working with for medicare planning. Medicare brokers should represent many different carriers and all plan types in your area if possible. As long as you do your homework to ensure they do, there isn't a disadvantage working with a broker at all, EVER. They're always no cost to you and Medicare depends on the broker model accounting for almost 75% of all annual enrollments. Find someone you can trust and who does what they say they're going to do.
I use a continuous glucose monitor for my diabetes that connects to my smartphone. Will Medicare cover this technology for someone with my condition?
Answer: Yes Medicare has approved the coverage for CGMs or continuous glucose monitors. Depending on your coverage you have in place this coverage could differ or have requirements on specific brands you must use to get them covered in full.
Example- You just started medicare and have been using ABC glucose monitors up to this point, but the insurance company you're with only covers XYZ glucose monitors in full. You may still be able to purchase and get some form of help for using ABC company but if you switch to XYZ company your insurance company will cover in full. This happens more frequently than you may think so it's always important to review what your CURRENT company covers.
Why did my Medicare deductible reset in January?
Answer: Medicares deductible runs from January 1st through December 31st. It will always update or reset at the beginning of the year. The Part B deductible as well as other medicare costs typically increase over time so it's best to review with a licensed broker how this could affect you and your coverage goals or gaps.
Side note, if you're someone who uses original medicare and a supplement like a plan F, G, N, etc, changing your supplement will NEVER reset your deductible! Replacing your supplement should only lower your monthly premium for that supplement.
Do IRA or 401(k) withdrawals increase Medicare costs?
Answer: They definitely can. The real answer is going to depend on the tax qualification of the investment account you're are taking distributions/withdrawals from. It is important to work with a knowledgeable team for all your retirement needs like our clients at our firm do. From tax advisors, investment advisors, insurance advisors, and Elder Law we can help you toe the line between protection, quality of life, and asset protection.
Short answer- too much of the right type of income can dramatically increase your medicare costs for years.
What are the reasons why I should work with a Medicare agent?
Answer: There are so many but I'll give you what I believe to be the top 3 assuming your'e working with a tenured and well connected agent.
First. There are so many rules, regulations, and nuances with medicare that unless you're living it every single day like a full time agent it would be impossible for you to know how to navigate thru it all. This could lead to making a wrong decision costing you 10s of thousands over a lifetime.
Second. Well connected Agent/brokers have relationships within the community with Dentist, Medical providers, medical equipment providers, etc. which make your life with your healthcare 1000 percent easier. Ive personally been able to help my client skip the line and go right to the front to get help with the dental, medical, hearing, and more they need because of the relationships I've built within the community.
Third. It's always no cost! Always! Great Agent/Brokers aren't just transactional in how they help their clients there is a service part of what we do also. This helps you to contact 1 knowledgeable person who you have a history with every time you need help instead of those pesky 1-800 numbers that are offshore and can be difficult to understand or get a straight answer.