Making Insurance Easy, One Step at a Time

Fran Clark Insurance Agent

Frank Clark

Independent Broker

As an independent Medicare broker, I specialize in helping seniors and retirees navigate the often-confusing world of Medicare. Because I’m not tied to a single insurance company, I’m able to provide unbiased guidance and compare multiple plan options to find the coverage that truly fits your health needs and budget.

With years of experience in Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans, my goal is simple: to make Medicare easy to understand and stress-free for you.

Whether you’re enrolling for the first time or reviewing your current plan during the Annual Enrollment Period, I take the time to listen, answer questions, and provide personalized recommendations.

Speak with a Licensed Agent!

Review Your Medicare Plan It's FREE!

Get expert advice to ensure you have the best plan for your health and budget!

Empowering you is our business

As an independent Medicare broker, I specialize in helping seniors and retirees navigate the often-confusing world of Medicare.

Medicare FAQ's

Got questions? We've got answers

You are eligible to apply for Medicare during your initial enrollment period which is a 7 month window. 3 months before turning 65, the month you turn 65 and 3 months after turning 65. 

The easiest way to sign up for Medicare is online through SSA.gov or by Calling Social Security at 1-800-772-1213. You can also visit your local Social Security Office.

If you are already receiving Social Security Benefits you will be automatically enrolled into Original Medicare, otherwise you will be eligible to enroll during your initial enrollment period that starts 3 months before your 65th birthday.

If you miss your Initial Enrollment Period you can sign up during the General Enrollment period that occurs every year January 1st through March 31st. Coverage becomes effective the month following your enrollment date.

Yes, there are penalties for not signing up for Part B of Medicare and will be added to your premium.

If you need a new Medicare card you can order a replacement card by phone at 1-800-772-1213, or online at the Social Security Administration web site. Make sure you have your Medicare number ready when you call.