Justin Kramer, Medicare Insurance Broker
Justin Kramer
Midwest Health and Life
Medicare Broker Licensed in IA
3+ Years of Experience
Contact Details
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Location
Humboldt, IA
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Phone
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Website
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Facebook
About Me
Hi, I’m Justin — a local, independent Medicare advisor who helps people confidently understand their Medicare options without pressure or confusion. I specialize in Medicare Advantage, Medicare Supplements, and Prescription Drug Plans, and I take the time to explain how each option works based on your doctors, medications, and budget.
My goal is to make Medicare simple and stress-free by comparing plans from trusted national and local carriers, so you can feel confident in your decision. There’s no cost for my help, and I’m here to be a long-term resource — not just during enrollment, but year-round whenever questions come up.
Directions to My Office
My Google Reviews
3 Total Reviews (5.0 )
December 17, 2025
Insurance can be so confusing and Justin has gone above and beyond to make it less stressful! He really looks out for me, and didn’t even mind when my granddaughter called him when playing with my phone. I hold him in the highest regards! Thanks Justin! Valerie Presley
December 15, 2025
Justin was very friendly; informative; and helpful. Made sure I understood what my plan entailed.
November 25, 2025
Q&A with Justin Kramer
Can you explain Special Needs Plans in Medicare?
Answer: Special Needs Plans, or SNPs, are a type of Medicare Advantage plan designed for people in specific situations, so the coverage is more tailored to what they actually need. There are three main types I look at: Dual Eligible plans for people who have both Medicare and Medicaid, Chronic Condition plans for certain health issues like diabetes or heart conditions, and Institutional plans for people in nursing homes or needing that level of care at home. These plans usually bundle everything together, including drug coverage, and they focus more on coordinated care and extra benefits instead of a one-size-fits-all approach.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: You’re automatically set up with Medicare, but you still need to choose how you want your coverage structured.
Can you help me understand Maximum Out-of-Pocket (MOOP) limits in Medicare plans, from your experience as an agent?
Answer: MOOP is the most you’ll pay out-of-pocket in a year on a Medicare Advantage plan. Once you hit it, the plan covers 100% of approved services. Original Medicare doesn’t have a cap, so costs can keep adding up.
Why are people leaving Medicare Advantage plans?
Answer: Some people leave Medicare Advantage because they don’t like being limited to a network, or they’ve run into issues with prior authorizations and referrals. Others find out their doctors or hospitals aren’t covered. It really depends on their situation, which is why it’s important to review your options with a licensed representative.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: Original Medicare only covers about 80% of your medical bills, so you’re still on the hook for the other 20% with no cap — that can get really expensive. Medicare Advantage plans put a limit on your out-of-pocket costs and usually include extras like dental, vision, and prescriptions. Which is better really depends on your health and budget, so it’s smart to review with a licensed representative.
Why do some people regret choosing a Medicare Advantage plan over Original Medicare?
Answer: Some people skip Medicare Advantage because they want the freedom a supplement offers — you can see almost any doctor in the country with fewer restrictions. Advantage plans often have networks and rules. Best bet is to talk with a licensed representative so you can compare what fits your situation.
Why would you not choose a medicare Advantage plan?
Answer: Some people skip Medicare Advantage because they want the freedom a supplement offers — you can see almost any doctor in the country with fewer restrictions. Advantage plans often have networks and rules. Best bet is to talk with a licensed representative so you can compare what fits your situation.
I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?
Answer: A change in your health can sometimes mean your current Medicare plan might not cover everything you need. It could be a good idea to take a look at:
What your plan currently covers, including doctors, medications, or treatments.
Any costs you might have that could change with your new needs.
Options for switching or adjusting your plan if needed.
What are the reasons why I should work with a Medicare agent?
Answer: The best part about working with a Medicare agent is that it doesn’t cost you anything extra. Whether you go directly through the company or work with me, your plan costs the same. The only difference is when you work with me, you get someone local who takes the time to go through your doctors, prescriptions, and budget to make sure you’re in the plan that really fits you.
And I’ll be here for you year after year—so if your needs change or you just have questions you’re calling me.
So, it doesn’t change what you pay for your coverage, but it makes a big difference in the help and support you get.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: The new $2,000 out-of-pocket maximum for prescriptions is a big deal because, before this change, there really wasn’t a limit on how much you might have to spend in a year. If you were on expensive medications, the costs could keep adding up with no real cap.
Starting in 2025, once you’ve spent $2,000 on your covered prescriptions, you’re done for the year—you won’t have to pay any more. This makes your drug costs easier to plan for and gives you peace of mind knowing there’s a limit to what you’ll be responsible for.