Independent advisors. Customized solutions. For a full life ahead.

for ages 65+

Preparing for Medicare can be an anxious time. Many people seek help when they are ready to apply.

FMS Insurance Advisors will assist you every step of the way to ensure you get the right Medicare options to fit your needs. We will review your Medicare plans during each annual enrollment period and find the most appropriate cost-effective plan for you.

Medicare is the federal health insurance program for people aged 65 or older – and for those who may qualify because of a disability or special circumstance. The Medicare annual enrollment period (AEP) is October 15 to December 7.

Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) are considered original Medicare and are available to all who enroll. Enrollment takes place through your local social security office.

Part C, also called Medicare Advantage, is additional to original Medicare.

Part D, prescription drug coverage, is optional.

Even if you do not plan to retire at age 65 and receive monthly Social Security benefits, be sure to contact Social Security 3 months before your 65th birthday to sign up for Medicare.

For individuals 65 years of age or older enrolling in Medicare, we offer the following Medicare Health Plan options:

  • Medicare Supplemental Plans
  • Cost Plans
  • Medicare Advantage Plans (Part C)
  • Prescription Drug Plans (Part D)

Our Medicare partners include:

  • Medica
  • Blue Cross Blue Shield of Minnesota
  • HealthPartners
  • UCare
  • Humana
  • United Healthcare
  • Aetna/Allina
  • Mutual of Omaha
  • Quartz
  • Cigna, and many more based on the state and county where you live
  • Prescription Drug Plans


We offer optional Ancillary Plans to cover:

  • Dental/Vision
  • Hospital/Accident
  • Cancer
  • Critical Illness
  • Travel

What Our Clients Say

“Prior to enrolling in Medicare, I visited a few insurance companies. With FMS Insurance I got answers immediately. Attending Bob Schmaltz’s seminar was the best thing I did!

FMS agents are very knowledgeable about the Medicare process. The entire staff went way beyond helping me select the best plan for my needs. I highly recommend their services.”

— K. A.