Turning 65? Let's Get Your Medicare Right.
You'll work with Scott directly, start to finish. No phone trees, no rotating agents, no rush. And he's still the one who answers next year when you have a question.
- Independent broker
- Licensed in Michigan
- No cost to you
Serving Novi, Northville, South Lyon, Wixom, Farmington Hills, Commerce Township, Walled Lake, West Bloomfield, Plymouth, Livonia and Milford.
It Comes Down to One Person
Turning 65 means your mailbox fills up and your phone starts ringing. Almost all of it comes from somewhere far away. Here's what working with Scott is like instead.
What most people get
- A 1-800 number in another state
- A different agent every time you call
- Someone reading from a script
- Fifteen minutes and a push to decide
- No one to call back next year
What you get with Scott
- One person, who knows your name
- As much time as you need to understand it
- Plain language, no script
- No pressure to decide anything that day
- The same number to call a year from now
However You'd Rather Talk
Some people want to sit down in person. Some would rather talk it through on the phone. Some prefer video. Scott works whichever way you're comfortable. Just say what's easiest when you reach out. There's no obligation and no cost either way.
How We Figure It Out Together
Reach Out
Book a time, call, or send a text. Let Scott know roughly when you turn 65 and he'll take it from there.
Sit Down Together
However you'd rather do it. Scott walks through how Part A and Part B work, when you need to enroll, and how to avoid late enrollment penalties.
Decide at Your Pace
Scott helps you compare the options available to you and handles the paperwork whenever you're ready. Nothing has to be decided that day.
Scott Works for You, Not for One Insurance Company
Scott is an independent broker. He represents several insurance companies rather than working for a single one, so he can lay the options side by side and walk you through how they differ, instead of steering you toward whichever product he's required to sell.
His job is to make sure you understand what you're choosing, and why.
Guidance at No Cost to You
Scott's help doesn't cost you anything. He's compensated by the insurance companies, not by you.
What you pay is the same whether you enroll through Scott or work through it entirely on your own. The difference is whether you have someone sitting next to you while you do it.
What People Say About Working With Scott
"I have not seen this level of service in a while. Scott goes way above and beyond what you expect. If you want a trouble free experience and someone who really works for you I highly recommend Scott!"
Valere
Google review
"Scott has been extremely knowledgeable and very helpful transitioning me into my insurance needs."
Shannon Blake
Google review
"Scott was able to tell me all the positive and negative aspects of each provider. Scott spoke clearly on which one would benefit me, but I made my own decisions, which just happened to be the one we both agreed on."
Mark
Google review
Hi, I'm Scott Huggins
I've been helping people around Novi with Medicare for the past two years, and in that time I've learned that almost nobody finds it straightforward the first time through. That's normal. It's a confusing system, and most of the mail you're getting is designed to be confusing.
I live and work here. When you call, you get me. Not a queue, not whoever happens to be available. And when something changes next year, or you have a question about a bill, you call the same number and get the same person.
If you're turning 65 and don't know where to start, that's exactly the conversation I'm here for.
Scott A. Huggins is a licensed insurance agent in the State of Michigan. National Producer Number (NPN) 21427096.
Clear Answers, No Jargon
When do I need to sign up for Medicare?
Most people become eligible around their 65th birthday. There's a seven month window that opens three months before the month you turn 65 and closes three months after it. Signing up during that window keeps things simple and helps you avoid late enrollment penalties. If you're still working, the timing can be different. That's one of the first things worth talking through.
What's the difference between Part A and Part B?
Part A and Part B are the two pieces of what people call Original Medicare. They cover different kinds of care, and they work differently depending on your situation and whether you have other coverage. Scott walks through both in plain language and helps you work out what applies to you.
What if I'm turning 65 but still working?
You may be able to delay parts of Medicare without a penalty if you have qualifying coverage through your employer. Whether that's the right move depends on the size of your employer and how your current coverage actually works. It's worth checking rather than guessing.
Do I have to do anything if I already have insurance through work?
Sometimes yes, sometimes no. It depends on your employer's size and the type of coverage you have. Getting this one wrong can create penalties that follow you for years, so it's worth a short conversation to confirm where you stand.
Will you try to sell me something?
No. The point of a first conversation is to explain your options and answer your questions. Plenty of them end with someone deciding to think it over, and that's a perfectly good outcome. You won't get hounded afterward.
What does it cost to work with you?
Nothing. Scott is compensated by the insurance companies, not by you. Your costs are the same whether you enroll through Scott or handle it entirely on your own.
Pick a Time That Works for You
Choose a time below and Scott will reach out to confirm. No obligation, and nothing to prepare beforehand.
Not Ready to Book?
Leave your details and Scott will get in touch at a time that suits you. He'll reach out however you prefer, and there's no obligation.