Shane and Tammy Carpenter, Medicare Insurance Broker
Shane and Tammy Carpenter
Your Choice Insurance Advisors
Medicare Broker Licensed in OK, AR, FL, GA, KS, OH, TN and TX
Contact Details
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Location
Claremore, OK
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Phone
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About Me
Hello!
We are Shane and Tammy Carpenter, licensed Medicare insurance brokers dedicated to serving our community.
We love working together helping our clients find the plans that are most suited to their personal situations. It is definitely not a "one size fits all" situation when choosing what is right for you. Medicare is our area of expertise, and we will thoroughly evaluate you circumstances and make sure you understand how Medicare works. We offer Medicare Supplement Plans, Prescription Drug Plans and Medicare Advantage Plans and are astutely familiar with all of your choices on a local level. We are also brokers and not just agents. This means that we work for you and not just a particular health insurance provider or call center that is just looking for volume of clients but have no follow-up support.
Reach out to us today to discuss your Medicare insurance possibilities, and remember to mention you found me here on Medicare Agents Hub!
Directions to My Office
My Google Reviews
33 Total Reviews (5.0)
May 9, 2025
When stages of life throw you a curve ball, you want Shane on your team! True kindness and compassion is a refreshing strong suit of his professional excellence and vast knowledge. My husband and I are grateful that Shane takes our call and patiently gives guidance in our insurance world.
May 7, 2025
Shane and Tammy’s help has been amazing. They quickly answer any questions and work hard to find the perfect plan for me
May 7, 2025
May 7, 2025
April 29, 2025
They check all by prescriptions to see which Plan is best for me. They are knowledgeable and friendly.
April 28, 2025
They addressed all my needs and more. They showed so much concern for me. I would recommend Shane and Tammy to everyone.
April 28, 2025
Incredible experience. They answered my questions and were knowledgeable about the insurance plans. They were right about which one was the best fit for me. They were also very kind and friendly. Thanks for the years of great service!
April 28, 2025
Shane and his wife are great. I worked mostly with Shane. New to Oklahoma and Medicare had no idea what was going on. He came to my house went over all the different insurance plans. It was difficult. Shane Carpenter was a life saver for me. He explained everything I needed to know. I've called him back a couple of times. Great insurance person.
April 28, 2025
Shane and Tammy were so helpful and answered all our questions. They made the process simple and easy. I highly recommend them!
April 26, 2025
Shane and Tammy are amazing they really helped us with our insurance needs and we're very patient by listening to our needs and accommodating us with the insurance needed for our health situations we will recommend them to all of our friends and family
April 25, 2025
We appreciated the integrity of the owners Shane and Tammy because they won’t change a policy unless they see the need for better coverage. They were down to earth too really seem to care about helping and explained things so we could understand it better the options and cover options we had. We would definitely recommend them to anyone looking for their insurance needs and options.
April 23, 2025
My wife and I had been paying almost 600 dollars a month for insurance with a 7000 dollar deductible. Which basically means every year the insurance paid 0. We spoke with Tammy and Shane and they really didn’t explained everything to us and got us an amazing rate with a great insurance company! Thank you both so much!
April 21, 2025
Honest, knowledgeable and caring. I highly recommend!
April 21, 2025
Such a nice couple! I love knowing that they are sincere and honest, The best part is they are willing to do what it takes to help me find the answers to any questions I have
April 19, 2025
Tammy is great! She is very knowledgeable, and she cares.
April 19, 2025
Extremely Courteous and Efficient. Went above and beyond to make sure my needs were taken care of!
April 19, 2025
Honest and caring company. I love how they they really dug into my needs and helped me look at my options.
April 19, 2025
Knowledgeable insurance advisors. They treat you like family!
April 19, 2025
Shane and Tammy helped us find the right insurance that was best for our needs. With all our changing circumstances we had, they helped us alleviate one major choice in our live in regards to health insurance.
December 8, 2024
Shane and Tammy at Your Choice Insurance Advisors are the best! Their experience shines through. They explain things clearly and really understand all that’s available so that we could make a great decision together.
November 24, 2024
Tammy was so helpful. So glad we chose her help. Highly recommend her service to anyone who is not sure on their Medicare insurance. She helped us save $400 a month in supplemental coverage
June 24, 2024
I highly recommend Shane and Tammy. They are honest, reliable and very accommodating. They will even come to your house. I love that they are local, personable and ready to help. I could go on and on. Definitely call these guys for your health insurance needs.
June 18, 2024
We recently went to talk with Shane and Tammy Carpenter with Your Choice Insurance advisors. They did a great job explaining the Medicare Supplemental insurance to me and helped me make an educated decision on which plan will fit my needs. They are very friendly and return calls or texts with questions.
June 5, 2024
Shane made one call to a local Dentist that I was having a lot of difficulty with and the problem was solved. This is the guy to go to for health insurance. Great job Shane thank you
Q&A with Shane and Tammy Carpenter
What do you enjoy most about working with Medicare clients?
Answer: We love working with Medicare clients because we feel less like insurance agents and more like problem-solvers. When we can help simplify a complicated experience and find a plan combination that works best for them after considering all of the options, we feel immense satisfaction and build great relationships with our clients, which is an extra bonus!
What is one of the the most common misconceptions people have about Medicare?
Answer: That it is "one size fits all." So many untruths are spread around without an actual understanding of the Medicare environment, such as "Never get a Medicare Advantage Plan" or "All Supplement/Medigap Plans are expensive." These statements are simply untrue and blanket statements can create a lot of stress and poor choices that can burden down so many without fully understanding the true reality of the situation. In addition, the "Never get a Medicare Advantage Plan" comments are often stated categorically by those that only hold life insurance licenses and not both health and life insurance licenses. Bottom line, they are unable to offer Medicare Advantage plans and therefore are pushing Supplement/Medigap plans. It is definitely a case by case evaluation of what is the appropriate choice when it comes to all of the options out there. This is why we encourage Medicare beneficiaries to only consult with those that are licensed in both health and life insurance. It costs nothing to use a broker's services, so it makes sense to have a good sit-down to understand ALL of your options.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Local, in-person brokers are not "fly by night" call center agents that you will never be able to access after the enrollment. We are here for the follow-ups, questions and support that is often needed. We also, provide ongoing re-evaluation of your plans annually to ensure that you are continuing on with the plans that best meet your needs. Finally, we are LOCAL. This means that we are the most familiar with the plans that are offered in the area and are better equipped to find a plan that is more tailored to your needs.
What is the biggest disadvantage of Medicare Advantage?
Answer: The biggest disadvantage of Medicare Advantage is that you are often working within a network. This means that a doctor or medical institution could leave or join a plan throughout the year. Medicare Advantage plans that offer a PPO or Preferred Provider Organizations option offer more flexibility to see doctors or go to providers outside of the network for a higher cost or copay.
What demographic challenges will Medicare face in the coming years?
Answer: There are many aging into Medicare in the upcoming years and administration changes are still unknown. Having a professional guide you through these changes will be essential.
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: This really depends. Will you be switching within the same company? Which company is it? Otherwise, you generally must answer health questions when switching between plans.
How does the Part D "catastrophic coverage" phase work once I hit the out-of-pocket max?
Answer: If you have met the "catastrophic coverage" phase, you will have no further responsibility towards drugs covered in your plan's formulary. However, if you are on medications not covered by your Part D prescription drug plan, you will still be responsible to pay those costs.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: Simply put, it is not a "one size fits all" answer. For some, Original Medicare with a Supplement with/without a Prescription Drug plan is better and for others a Medicare Advantage Plan is better. Why do I say this? There are many factors to consider such as budget, flexibility, willingness to work with networks or not, health circumstances and more. Only when properly evaluating these circumstances can Original Medicare or Medicare Advantage plan be determined as the better choice.
How do Social Security and Medicare work together for people with disabilities?
Answer: If you qualify for Social Security Disability Income (SSDI), then you will eventually qualify for Medicare. However, this doesn’t happen until 24 months after your first SSDI payment. At that point, you will be automatically enrolled into Medicare. Part A, which is the hospital insurance, is usually free. However, Part B is the medical insurance and it has a monthly premium. Generally speaking, once you qualify for Medicare you will want to add a prescription drug coverage, supplement, or Medicare Advantage plan. in fact, if you do not have qualified prescription drug coverage, you will be penalized for not enrolling in a prescription drug plan when you first become eligible for Medicare.
What do you like most about being a Medicare agent?
Answer: We often think of our major “job description” as “problem solvers.” Most individuals are not clear on what their options are when it comes to Medicare because of the many plans and paths available to them. So when we have the opportunity to really examine what our client’s real situation and needs are, we are able to assist them to find the plan that most appropriately suits them. Whether that would be a Medicare Supplement Plan with/without a Prescription Drug Plan or a Medicare Advantage Plan or, perhaps, a Special Needs Plan. We have, on many occasions, been able to save our clients money and/or headaches and removed the stress from a complicated process. The relief that our clients feel when we help them to work through this is definitely our favorite part of being a Medicare broker.