Tim Peddycoart, Medicare Insurance Broker

About Me

Turning 65 should feel like a milestone. For most people it feels like a mountain of mail, deadlines, and choices that all sound the same.

I get it. I have spent more than 20 years helping people cut through that noise.

My name is Tim Peddycoart, and I founded VitalShield Insurance Services to do one thing well. Help you make a Medicare decision you will feel good about for years, not just this year.

I am an independent, licensed agent. That means I do not work for one carrier. I work for you. We start with the doctors you want to keep, the prescriptions you take, and the budget you live on. Then we match you to coverage that fits your real life.

No call centers. No pressure. No script written 2,000 miles away.

I serve clients across Minnesota and Southwest Florida. That makes me a strong fit for snowbirds who split the year between two states and need coverage that travels with them.

Here is my promise. You will understand your options before you sign anything. You will know exactly what you are getting and why. And you will have a real person to call when you have a question, every year, not just at enrollment.

If you are approaching 65, or already on Medicare and wondering if you are in the right plan, let’s talk. One honest conversation can save you years of second-guessing.