Prescott Health & Life

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Prescott Health & Life Prescott's local health, Medicare, life and long term care insurance experts James Otto began his insurance career in Prescott, Arizona in 1987.

After developing a significant client following in the health and life market over the course of 15 years, Jim invited his daughter Jennifer Wilhelm to join the agency in 2002. Jennifer had previously spent 10 years with Chubb Insurance in Phoenix, Arizona. In 2004 Jennifer's husband Jeff joined the agency. Jeff's insurance experience began while serving as a lawyer in Phoenix, Arizona for 16 years where his primary areas of practice included insurance and surety law. Jeff now serves as the managing member of the agency and is a member of the National Association of Health Underwriters as well as a member of the State Bar of Arizona. In 2019, Art Olson joined the agency. Art previously spent 18 years in the commercial/residential building contractor business in Prescott and then 12 years in the industrial automation sales industry. Art serves the agency as an independent broker and professional insurance advisor for health and Medicare plans. In 2020, Natalie Gauvin joined our team. Natalie graduated from Northern Arizona University in 2018 with a Bachelor of Science degree. Natalie works in our front office and inspires everyone who calls or comes through our door with her engaging personality.

Medicare Advantage continues to be a popular choice for millions of Medicare beneficiaries, but the right plan depends o...
10/15/2026

Medicare Advantage continues to be a popular choice for millions of Medicare beneficiaries, but the right plan depends on your individual health needs, prescriptions, preferred providers, and budget.

At Prescott Health and Life, we help seniors in Prescott and the surrounding Quad-City area understand their Medicare insurance options, including Medicare Advantage, Medicare Supplement insurance, and Part D prescription drug plans.

Swipe for a closer look at key Medicare Advantage features. If you have questions or would like personalized guidance, our local team is here to help.

Call us at (928) 445-6466.

Understanding Medicare is one thing. Making the most of your benefits is another.Whether you are preparing for Medicare ...
10/06/2026

Understanding Medicare is one thing. Making the most of your benefits is another.

Whether you are preparing for Medicare enrollment or already using your coverage, knowing how your plan works can help you avoid costly surprises and make more confident healthcare decisions. From reviewing Medicare Part D prescription coverage to understanding the differences between Medicare Supplement insurance and Medicare Advantage, the details matter.

At Prescott Health and Life, we provide personalized, local guidance to help seniors throughout Prescott and the Quad-City area evaluate their Medicare options with confidence.

Have questions about your current coverage or upcoming enrollment? Contact our team at (928) 445-6466. We are here to help.

Marketplace Open Enrollment begins November 1. Whether you are renewing your current health insurance plan, exploring ne...
09/30/2026

Marketplace Open Enrollment begins November 1. Whether you are renewing your current health insurance plan, exploring new options, or enrolling for the first time, a little preparation can make the process feel much simpler.

Swipe through for key dates and practical steps to help you prepare.

At Prescott Health and Life, we provide personalized, local guidance to individuals and families in Prescott and the Quad-City area. We are here to help you review your health insurance options, understand your choices, and find coverage that fits your needs and budget.

Have questions about enrollment or your plan options? Contact our team at (928) 445-6466.

Medicare can feel complicated, especially when you are comparing coverage, costs, and plan options.At Prescott Health an...
09/23/2026

Medicare can feel complicated, especially when you are comparing coverage, costs, and plan options.

At Prescott Health and Life, we help individuals and seniors throughout Prescott and the surrounding Quad-City area better understand the parts of Medicare, including Original Medicare, Medicare Supplement insurance, Medicare Advantage, and Part D prescription drug coverage.

Swipe through for a simple overview of what each part may help cover. When you are ready to review your own options, our local team is here to provide personalized guidance based on your needs and budget.

Call us at (928) 445-6466 to get started.

Medicare Annual Enrollment begins October 15, so now is a good time to watch for your Annual Notice of Change (ANOC) fro...
09/15/2026

Medicare Annual Enrollment begins October 15, so now is a good time to watch for your Annual Notice of Change (ANOC) from your current Medicare Advantage or Medicare Part D plan.

This notice is typically mailed in September and no later than September 30. It explains plan changes that may take effect January 1, including:

✅ Monthly premiums and out-of-pocket costs
✅ Prescription drug coverage and formularies
✅ Doctor, hospital, and pharmacy networks
✅ Copays, deductibles, and plan benefits

Even small changes can affect your health care costs, prescription coverage, or access to the providers you prefer. Reviewing your ANOC before Medicare enrollment begins can help you make a more confident decision about your coverage.

At Prescott Health and Life, we provide personalized, local Medicare guidance for individuals and seniors throughout Prescott and the Quad-City area. If you would like help reviewing your plan changes or comparing your Medicare options for 2027, call us at (928) 445-6466.

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicar...
09/08/2026

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, r...
09/04/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadl...
08/13/2026

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadlines hit.

When you start exploring your Medicare options early, you give yourself time to understand what is actually covered, compare plans that fit your doctors and prescriptions, and avoid last-minute stress or rushed decisions.

A simple conversation now can make your AEP enrollment window choices between October 15th to December 7th clearer, calmer, and more confident.

If you’re unsure where to start or what to ask, reach out. We’re here to walk with you through your Medicare questions, step by step.

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, o...
08/11/2026

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, or coverage issues are good reasons to reach out sooner to avoid surprises and make sure your plan still fits your needs.

Swipe to see when it is a good time to call your Medicare agent.

The best time to call your Medicare agent is before a small question becomes a bigger coverage problem. If you need help reviewing your plan, preparing for enrollment, or understanding a recent life change, contact our office.

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most c...
08/06/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

Address

1963 Commerce Center Circle, Suite C
Prescott, AZ
86301

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

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