Matthew Tokos, Medicare Insurance Broker
Matthew Tokos
Medicare Broker Licensed in NV, ID and UT
Contact Details
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Location
Las Vegas, NV
About Me
Matthew Tokos is more than a licensed Medicare broker—he is a lifelong Las Vegas resident dedicated to helping seniors navigate healthcare with confidence, clarity, and trust.
Specializing in Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans, Matthew takes an education-first approach by simplifying Medicare and helping clients understand their options based on their doctors, medications, lifestyle, and financial goals.
What makes Matthew’s approach unique is his firsthand healthcare background. With experience working in primary care clinics, medical imaging, and emergency medical services as an EMT, he understands both the insurance side and the patient side of healthcare. This allows him to help clients make informed decisions that fit their individual needs.
Born and raised in Las Vegas, Matthew has built strong knowledge of the local healthcare landscape, including provider networks, clinics, and resources available throughout Southern Nevada. His time living in Southern Utah and Boise, Idaho has also allowed him to expand his expertise and serve clients across multiple communities.
Matthew’s mission is simple: remove the confusion from Medicare, provide honest guidance, and build lifelong relationships with the people he serves. Whether someone is turning 65, retiring, reviewing their current coverage, or simply looking for a trusted resource, Matthew is committed to making Medicare easier every step of the way.
Directions to My Office
Q&A with Matthew Tokos
What's the difference between a Medicare broker and a Medicare agent?
Answer: There’s actually a major difference between a Medicare Agent and a Medicare Broker.
A Medicare agent may be captive and solely represent the insurance company they are contracted with. If they’re captive, they can only offer plans from one company, which may limit your options when enrolling or looking at plans.
A Medicare broker is typically Independent or contracted with multiple insurance companies. This means they can shop and compare multiple plans, help find coverage that fits your doctors, medications, and budget, and provide a more unbiased, side-by-side comparison.
Both are great options, brokers can offer a bit more and provide a larger perspective where as an agent may be more limited on what they can present for plans.
What are the signs that it's time for me to switch my Medicare plan, and how often should I review my options?
Answer: Your Medicare plan should work for you, not against you. If that starts to change, it may be time to review your options.
It might be time to switch:
- Your out-of-pocket costs are increasing (copays, medications, or overall usage)
- Your doctor or specialists are no longer in-network
- Your prescriptions are no longer covered well or have moved to a higher tier
- You’re not using the plan’s extra benefits (dental, vision, OTC, etc.)
- You feel confused or frustrated using the plan. Simplicity matters.
- Your health needs have changed (new diagnoses, more frequent care, etc.)
Even if none of these apply, it’s still smart to review your plan regularly because benefits, networks, and drug coverage can change every year.
Times you should review your Medicare plan:
- Annual Enrollment Period (October 15 – December 7): This is the most important time to review and make changes for the upcoming year.
- Medicare Advantage Open Enrollment (January 1 – March 31): If you’re already in a Medicare Advantage plan, you get a one-time opportunity to make a change if things aren’t working as expected.
What I typically recommend is:
- Do a full review during AEP to prepare for the changes coming with the new year
- Then reassess during the first three months of the year to make sure your plan is actually performing the way you expected it to
At the end of the day, the goal is to minimize financial risk and make sure your coverage aligns with your real-life needs.
If you’re unsure, it never hurts to get a second opinion and compare options side-by-side.
Depending on where you’re located or what diagnoses you may have, there may be a special election period available to you.
I lost my Medicare Card. What do I do?
Answer: There are 3 ways to get a new Medicare Card if you lost yours.
You can either do it online, by phone, or in person.
1. You can log in or create a safe and secure Medicare account on Medicare.gov and print out a copy of your card. You can also log into your Social Security account at ssa.gov and request a replacement card to be mailed to you.
2. You can call 1-800-MEDICARE and request a new card to be sent to you in the mail.
3. You can visit your local Social Security office and request a replacement card.