The Kirscht Insurance Agency - A Independent Medicare Broker

05/27/2026

"I don't want to seem like I don't know what I'm doing."
We hear this almost every week from people turning 65. Folks who have run businesses, raised families, and made confident decisions for forty years. Then a Medicare envelope shows up, and suddenly they feel embarrassed to ask what Part B actually costs.
Here is what we want every person approaching Medicare to know: you are allowed to ask anything.
You are allowed to say:
"I don't fully understand this yet."
"Can you explain that again in plain language?"
"I'm not sure which plan I chose, or why."
"I think I may have missed my enrollment window."
"I need to compare this to what my doctor actually accepts."
"I made the wrong choice and I need help changing it."
None of those sentences make you look uninformed. They make you someone who is about to make a better decision.
The costly Medicare mistakes we see almost always trace back to the same root: someone felt too proud, too rushed, or too overwhelmed to ask a question they thought they should already know the answer to. Late enrollment penalties. Plans that don't cover their doctor. Drug coverage that doesn't include their prescriptions.
All preventable. All started with a question someone was afraid to ask.
If you are turning 65, recently retired, or sitting on a stack of paperwork wondering where to start, we will answer the question. No judgment, no pressure, no assumption you should already know this.
You are allowed to ask. That is the whole job.

05/07/2026

Turning 65 soon or already on Medicare? Don’t let common Medicare mistakes cost you money. 💡
This week’s Medicare Tip:
Review your coverage every year — even if you’re happy with your current plan. Premiums, prescriptions, provider networks, and benefits can all change.
A quick annual review can help you:
Lower your costs
Keep your doctors
Make sure your prescriptions are covered
Add benefits you may be missing
Questions about Medicare Supplement, Advantage, or Part D plans in Thornton and the surrounding areas? I’m here to help make Medicare simple.
📞 (720) 375-5479
🌐 KI Medicare

05/01/2026

👉 Turning 65 Soon? Don’t Guess Your Medicare Options

Medicare Myth vs Fact 👇

❌ Myth: Medicare covers everything
✔ Fact: There are gaps—choosing the right plan matters

❌ Myth: You’re automatically enrolled at 65
✔ Fact: Many people must enroll themselves

❌ Myth: All plans are the same
✔ Fact: Coverage and costs can vary significantly

If you’re turning 65 soon, let’s make sure you get it right the first time.
📞 (720) 375-5479
🌐 ki-medicare.com

04/28/2026

03/17/2026

Turning 65? Here’s the Most Important Medicare Question You Haven’t Thought to Ask

If you’re approaching Medicare eligibility, you’ve probably researched premiums, networks, and prescription drug coverage. But the most important question people turning 65 rarely consider is:

“How will my Medicare choice today affect my options five years from now?”

Your long‑term flexibility matters. Some Medicare paths keep your future options open, while others can limit your ability to change plans later — especially if your health or medications change.

As a local Medicare agent, I help people turning 65 compare Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans so they can make a confident decision that works now and later.

If you’re searching for:

Medicare help near me

Turning 65 Medicare guidance

Local Medicare agent

Medicare Advantage vs Medigap

I’m here to provide clear, no‑pressure support.

📞 Call today to schedule your Medicare review.
Serving Thornton and surrounding communities.

01/07/2026

Medicare Open Enrollment is happening now!

If you’re on a Medicare Advantage plan, you may be able to:
• Switch to a different Advantage plan
• Return to Original Medicare
• Add or change a Part D drug plan

If your plan didn’t quite live up to the hype last year, now’s your chance to fix it.
📅 Open now through March 31

Questions? That’s what I’m here for 👋

11/25/2025

⏰ AEP is almost over!
If you’ve been thinking about checking your Medicare plan… well, the clock is basically yelling at us now. Deadline is Dec 7th.

Premiums changed. Benefits changed. Some plans disappeared.
If you want a quick review so you don’t get stuck with a “mystery bill” in January, shoot me a message.

I’ll make it easy — and fast.
👉 Message me today.

https://calendly.com/ki-medicare/30min

10/13/2025

Confused about your 2026 Medicare Plan? You’re not alone.
Join us for a free, no-pressure seminar where you’ll learn:

What’s new for 2026 Medicare plans

How to avoid costly mistakes

Your options for extra benefits you may qualify for

👥 Presented by: Craig Kirscht, Licensed Medicare Agent

✅ No obligation.
✅ Bring your questions.
✅ Refreshments provided.

Reserve your spot today!
📞 Call: 720-375-5479
📧 Email: [email protected]
Anythink Library Wright Farms - 5877 E 120th Ave

Not connected with or endorsed by the United States government or the federal Medicare program. For educational purposes only.