Kelsey Hentzen, Medicare Insurance Broker

About Me

Hi! My name is Kelsey, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!

Get in touch with Kelsey using this form

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My Google Reviews

35 Total Reviews   (5.0)

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Angela Germany
March 21, 2025

A few weeks ago I had a meeting with Dawn Chatman to sign up for Medicare. I had the most affirmative and knowledgeable person before me. She answer all my questions that I could possibly think of and she was so patient and care about my needs. I would recommend her to any one looking to sign up for insurance, that is forever changing these days. Thanks Dawn

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Milla Shusterman
March 4, 2025

With our enormous gratitude would like to recommend Health Insurance Agent, Kelsey Hentzen, to anyone with Health Insurance needs/problems. I was extremely positively surprised receiving a call back from Kelsey at 10pm at night a few minutes after I left my desperate plea for help on her website! The next day in a matter of an hour Kelsey was able to find solutions for our very complex case involving Market Place Insurance, Medicare Advantage Plan and State Medicaid.The most important aspect of our case was The Urgency of Insurance coverage. I was fortunate to find her on 2/27 and coverage was needed on March 1st. Kelsey’s understanding, immediate response and effectiveness exceeded all my expectations! Kelsey is compassionate, caring, very competent, exceptionally responsive, and very effective Health Insurance Agent. Once again, strongly recommend Kelsey Hentzen to anyone with Health Insurance needs and our sincerest huge appreciation to Kelsey for everything she has done and is doing for us.

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Patty Putnam
November 13, 2024

I had questions regarding a supplement insurance plan & signing up for Medicare B soon. Kelsey was amazing! She answered all my questions well and eased my fears about getting everything in order for retirement. Kelsey was very personable, friendly and easy to communicate with. I look forward to working with her more as retirement gets closer!

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Sheryl Taylor-Nalls
October 7, 2024

Casey is great to work with she keeps you up to date with information, answers all my questions and if she can't she will find out the answer and get back with you. Couldn't ask for a better group of people.

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Greg Baldwin
October 3, 2024

Very polite and very informative

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craig whitney
September 16, 2024

The Askins team is first rate!

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Keith Garrett
August 15, 2024

Great experience. Very informative

Q&A with Kelsey Hentzen

I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?

Answer: This answer depends on if you plan to continue to work. If you are working, I would consider doing a side by side comparison of your group insurance and Medicare. If you are retired or no longer working, the first step would be to apply for Medicare A and B. Then find a local unbiased broker who can shop all the plans in your area and offer a comparison between a supplement and an advantage plan.

Are Medicare Advantage plans really “free,” or is that just clever marketing?

Answer: Most Medicare Advantage plans offer $0 monthly premiums and $0 primary care visits. This also depends on your zip code or service area. You'll want to consider copays and benefits of each plan to ensure it is the right one that fits your individual needs. Some advantage plans may have health deductibles or prescription deductibles. You'll want to ensure whoever you are working with goes over the summary of benefits of the plan.

What do you enjoy most about working with Medicare clients?

Answer: I personally enjoy celebrating life wins with my clients. Turning 65, retiring, birthdays, new grand babies, and vacations. I think of my clients as second parents and I enjoy helping them through the Medicare process.

How do you educate clients who are completely new to Medicare?

Answer: There are many routes to educating clients new to Medicare. I have clients that either meet one on one and go through our Medicare Guide Packet, or they can attend any of one of our Free Educational Medicare Seminars. I truly believe its best to find a broker who can shop all the plans in your area to find the best option for their clients.

What is one of the the most common misconceptions people have about Medicare?

Answer: One of the biggest misconceptions about Medicare is that its too expensive. The best way to understand the costs associated with Medicare is to sit down with a licensed broker and review all your options.

Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?

Answer: This is a great question! If you are in your first 12 months of your Medicare Part A effective date, you can switch from a Medicare Supplement to a Medicare Advantage and vise versa for those initial 12 months. After the 12 months, you may try and switch to a Medicare Supplement during Annual Open Enrollment, however, you may have to health qualify. Keep in mind, as you age, the monthly premiums may also increase. Its best to try and make a decision in those first 12 months. Additionally, there are other qualifying events for moving to a Medicare Supplement plan, such as moving out of the service plan area.

Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?

Answer: No matter which Medicare Supplement plan you enroll in the coverage is the same. If you choose a plan G, it is the same coverage with every carrier. What to look for when enrolling in a Medicare Supplement plan is (1) monthly premium (2) financial rating of the company (3) and how long they have been in business. Make sure whoever you speak to can look at multiple carriers.