Tom Rogala, Medicare Insurance Broker
Tom Rogala
36 years -Quote all plans (including Non-Commissionable & Non-Licensed Options)
Medicare Broker Licensed in MI, AL, AR, AZ, FL, IL, IN, KY, MD, ME, MN, MO, MS, MT, NC, NE, OH, SC, TN, TX and WI
36+ Years of Experience
Contact Details
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Serving
Whitmore Lake, MI
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Phone
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Website
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Schedule An Appointment
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Pre-Appointment Form
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Tom Can Help With:
About Me
Tom Rogala is a fully independent health insurance and Medicare broker with 36 years of hands-on experience. Based in Michigan and serving clients nationwide, Tom operates as a one-man shop built on direct, personalized service. When you work with Tom, you get Tom—never an assistant or a revolving door of customer service representatives.
Tom puts client needs first by maintaining complete transparency; he quotes every plan on the market, including non-commissionable options, to ensure you get the absolute best coverage at the lowest possible cost. Ready to simplify your insurance? Schedule an appointment directly on his Medicare Agents Hub Profile.
My Google Reviews
93 Total Reviews (4.9 )
March 26, 2026
Planning for early retirement, we had great experience as Tom helped us work through various options. We have some significant health considerations and Tom was excellent at addressing our personal situation instead of giving us generic options. Highly recommend.
December 8, 2025
great service. Tom is professional, knowledgeable and prompt with answering when needed.
December 8, 2025
Tom Rogala is knowledgeable and accessible. He was able to answer our questions clearly and made recommendations that made sense to us. Thanks Tom!
December 1, 2025
Tom took the stress away from picking a plan! He knows this stuff and his pay comes from the insurance companies.....so I get all his knowledge for free! I've recommended several friends already. Thx Tom!
November 26, 2025
Incredibly knowledgeable and helpful.
Q&A with Tom Rogala
Answer: Medgap supplement plans do not have a book of doctors. Any Doctor or Hospital that takes medicare 80% has to take medigap supplement 20%.
Answer: Your plan changes every year. That is why you need to make sure and have your agent quote even if your plan is currently working for you.
Answer: You can can change to a Medicare advantage plan during Annual Enrollment. The premium is $0 but you will have copays and a book or doctors.
Answer: You do not have to answer health questions during your initial enrollment (turning age 65 or loss of group coverage over age 65) If you ever want to switch from addvantage to a supplement you have to be healthy
Answer: No. You need a long term care policy. The younger and healthier you are the cheaper it will be. Some go with advantage over medigap and use the saving to fund LTC.
Answer: You only have one shot a guaranteed issue into medigap. If you want to move from advantage to gap down the road you have to answer health questions
Answer: Part A & B cover 80% of dr and hospital only. Most, pick a medigap or advantage plan to cover the other 20% and prescription drugs
Answer: Medicare Addvantage Prescription Drug PPO plans are typically $0 premium monthly. When you use it you pay a small copay. The only big copay is cancer and you can get a cancer rider for about $11 per month
Answer: Change from medicare advantage to Medigap. You will pay a monthly premium but never get a bill. You can keep the plan forever and have peace of mind knowing your exact cost upfront
Answer:
Complete my survey including drug list and dosge. I can shop all drug plans by total cost
(premium, deductible and copays)
Answer: With HMO plans you have a primary care physician and need referrals to specialist in network. PPO plans let you see doctors and hospitals in network or out without a primary care or referral
Answer:
To get started, fill out my pre-meeting Medicare survey.
Next, book a meeting on my website for help applying for medicare 80%,
picking a plan 20%, and reviewing your plan every annual enrollment period.