Medicare

Know exactly where you stand with Medicare
— we service your Medicare needs year-round.

Huhn Insurance is Jackson Hole’s year-round, independent Medicare broker. We assist with Original Medicare, Medigap, Medicare Advantage, standalone Part D drug plans, and ancillary plans. Independent and multi-carrier, licensed and annually certified, local — built on a documented review at enrollment and year-round service after.

Schedule Your Medicare Clarity Review Or call 307-284-3060
Schedule Your Medicare Clarity ReviewOr call 307-284-3060
The Offer

The Medicare Clarity Review

A documented, no-obligation review of your full Medicare picture — and a person on your side all year.

Huhn Insurance becomes your year-round Medicare partner and runs the Medicare Clarity Review. We compare your options across the carriers we represent, and handle the paperwork, the claims, the billing disputes, and the special enrollment periods that come up. You make every coverage decision; we never push a specific plan.

Huhn Insurance is Jackson Hole’s year-round, independent Medicare broker. We assist with Original Medicare, Medigap, Medicare Advantage, standalone Part D drug plans, and ancillary plans. Independent and multi-carrier, licensed and annually certified, local — built on a documented review at enrollment and year-round service after.

Why use a broker

The premium is the same either way

Compensation is carrier-paid; your premium is the same with or without an agent, and we cannot bill you. Medicare commissions are set by CMS; Med Supp commissions are state-filed.

The difference is Medigap, Medicare Advantage, Part D and ancillary compared across the carriers we represent, and a licensed agent on your side year-round.

Desk with paperwork, computer and reading glasses
THE SET-IT-AND-FORGET-IT PROBLEM

What you don’t re-check,
you overpay for.

Yearly plan changes
Premium changes
Drug formulary changes
Medigap 6-month window
Part B 8-month SEP
42 plans to compare

If no one re-checks it, you carry the risk.

~69% of beneficiaries
never compare their options once they enroll, even though plans and prices change every year

Illustrative only. Compensation is carrier-paid; your premium is the same with or without an agent, and we cannot bill you. We do not promise savings or any specific plan, premium, or claim outcome.

The Medicare Clarity Review

7-Step Path

Three phases. Each one delivers a clear outcome before moving to the next.
Review → Compare → Enroll → service year-round,
run the same way every time by the same named agent.
Phase 1 phase imagery
1
Phase 1
Review

Get clear on where you stand today.

  • 1
    Coverage review
    Walk Part A/B, Medigap, Medicare Advantage, Part D
  • 2
    Needs check
    Doctors, drugs, budget, travel
  • 3
    Enrollment check
    Confirm Part A and Part B are in place — if not, we send the Social Security instructions and follow up in two weeks
You walk away with

A plain-language snapshot of your current Medicare and any gaps.

Phase 2 phase imagery
2
Phase 2
Compare & Recommend

See your real options.

  • 4
    Market comparison
    Compare Medigap, Medicare Advantage, Part D and ancillary across the carriers we represent
  • 5
    Recommendation
    Plain-language pros and cons
You walk away with

Your options compared and a clear recommendation.

Phase 3 phase imagery
3
Phase 3
Enroll & Defend

Lock it in, then keep it right.

  • 6
    Enrollment
    Paperwork and confirmations
  • 7
    Year-round service
    Claims and billing help, AEP review, special enrollment periods
You walk away with

Enrollment done and a year-round partner.

No obligation. You decide what, if anything, to change.

Before any plan-specific discussion, CMS requires a signed Scope of Appointment and a 48-hour wait. Appointments are only bookable outside that window.

Carrier partnerships

Independent Agent — Multiple Carriers

WY · ID · MT · CO · CA · TX

Independent Wyoming insurance agency · Chamber of Commerce Board of Directors and Membership Committee · Government Committee · SHRM member

More Options

Access to multiple carriers means more plan designs and network choices.

Unbiased Guidance

How we’re paid is disclosed in writing up front — recommendations are based on fit.

Ongoing Support

Year-round service and renewal strategy — not just during open enrollment.

Who we serve

Who we serve across Wyoming

Different situations·Same documented review

Turning 65

  • Aging into Medicare
  • First-time enrollees

Working
past 65

  • Employer coverage
  • SEP timing
  • Delayed Part B

Retiring or
losing coverage

  • Coverage ending
  • HR letter
  • No gap in coverage

Eligible through
disability

  • Under 65
  • Through disability

No coverage
right now

  • Starting from scratch

Existing
beneficiaries

  • Never reviewed
  • Want year-round

Snowbirds &
travelers

  • Coverage that travels
  • Original Medicare
  • Medigap

Also on
Medicaid

  • Medicare + Medicaid

Coming off an individual plan

  • Marketplace plan
  • Short-term plan
  • Moving to Medicare
THE SET-IT-AND-FORGET-IT PROBLEM

What comes with the Medicare Clarity Review.

Year-round service·Multi-carrier comparison·Claims & billing advocacy·Life changes handled·Enrollment handled·One named contact, all year

Doing Medicare alone
  • Plans, premiums and drug formularies change every year
  • About 69% of beneficiaries never compare options (KFF)
  • Medigap is guaranteed-issue only in a one-time 6-month window — miss it and you can be medically underwritten for life
  • Work past 65 and the 8-month Part B SEP applies — COBRA does NOT count, creating a lifetime penalty
  • The average person faces about 42 Medicare Advantage and 14 drug plans
Doing Medicare with Huhn Insurance
  • Year-round service — one agency handling your Medicare all year
  • Multi-carrier comparison — Medigap, Medicare Advantage, Part D and ancillary, plain-language, no plan pushed
  • Claims & billing advocacy — a local person who works a bill or denial for you
  • Life changes handled — move, lose other coverage, or a plan changes on you, we handle the special enrollment period
  • Enrollment handled — we handle the paperwork and confirmations; you make the decisions
  • One named contact, all year — the same licensed agent who knows your situation, no call-center roulette
What you don’t re-check, you overpay for.
About 69% of beneficiaries never compare their options once they enroll
The average person faces roughly 42 Medicare Advantage and 14 drug plans
Huhn Insurance runs the same documented review with one named licensed agent
Important disclosure

Illustrative only. Compensation is carrier-paid; your premium is the same with or without an agent, and we cannot bill you. We do not promise savings or any specific plan, premium, or claim outcome.

Read how compensation works and what is included

How compensation works

Medicare commissions are set by CMS and paid by the carrier. Med Supp commissions are state-filed and carrier-paid. Huhn Insurance is compensated by the carrier when a placement occurs; we cannot bill you, and your premium does not change because you use an agent.

Included in the Medicare Clarity Review

Documented review at enrollment · Medigap, Medicare Advantage, Part D and ancillary comparison across the carriers we represent · Enrollment and paperwork · Claims and billing advocacy · AEP review · Special enrollment periods · Year-round service from one named licensed agent.

Not included

Pressure toward any one plan type · tax, legal, or investment advice · any service requiring a separate engagement.

Review your setup and decide the next step.

Schedule Your Medicare Clarity Review

No obligation. Engage now or revisit at your next renewal.

How we help

We promise a documented review, and a person all year.

What we control·What we don’t·How compensation works

Our Promise

Review → Compare → Enroll → service year-round.

We review your full Medicare picture at enrollment and explain your options in plain English. The same path, run the same way every time, by the same named agent.

What this means

We never push a specific plan, and we don’t promise a particular plan, premium, or claim outcome — those belong to the carrier and CMS.

What we control

We control the process.

We help with:

  • The documented review at enrollment
  • Comparison across the carriers we represent
  • Enrollment and paperwork
  • Claims and billing advocacy
  • AEP review
  • Special enrollment periods
  • Year-round service
  • One named licensed agent
  • The same operating path every time

You make the final coverage decision. We make sure the steps are clear, the work is tracked, and you know what happens next.

What we do not control

Carriers control carrier decisions.

Insurance carriers decide things like:

  • Whether claims are approved
  • Whether prices go up or down
  • Which doctors and hospitals are in the network
  • Which plans they offer

We cannot promise what the carrier will decide. We can promise to help you understand the options and stay organized.

How compensation works

We explain how we are paid before you move forward.

On Medicare business we are paid by:

  • The insurance carrier
  • Commissions set by CMS
  • Med Supp commissions filed with the state

Compensation is carrier-paid; your premium is the same with or without an agent, and we cannot bill you.

One team, one clear path, every renewal.

Heather Huhn
Licensed
Independent Agent
Heather Huhn
Co-owner, Agent
WYIDMTCOCATX
  • Wyoming-anchored
  • Independent broker
  • Leading the operating path on every renewal
Artemus Huhn
Growth
Operations
Artemus Huhn
Co-owner, Operations
  • Leads strategic partnerships
  • Drives automation priorities
  • Builds and improves operating systems
Timing

Right window, right move

Medicare runs on fixed windows. Missing one can cost you for life — which is why we watch them with you.

Initial Enrollment — 7 months around 65

Enroll on time; avoid lifetime late penalties

Medigap Open Enrollment — one-time 6 months

Guaranteed issue; miss it and you can be underwritten

Employer SEP — 8 months after coverage ends

COBRA does NOT count → avoid the Part B penalty

Annual Enrollment — Oct 15–Dec 7

Plans change yearly; your annual change window

If you are losing coverage: bring a letter from HR on business letterhead, with your full name and the date your coverage ends — Medicare will ask for it. Your Medicare card arrives about three weeks after you sign up. Sign up by the end of the month your coverage ends so there is no gap. Your Medicare and supplemental plans take effect the 1st of the following month.

Common questions

What people ask before booking.

Compensation is carrier-paid; your premium is the same with or without an agent, and we cannot bill you. Medicare commissions are set by CMS and paid by the carrier; Med Supp commissions are state-filed and carrier-paid.
No. We show you Medigap, Medicare Advantage and drug plans side by side. We present your options; you decide.
Then the review tells you whether it still fits. About 69% never re-shop and plans change yearly. If yours still fits, we say so.
No — we’re a licensed independent insurance agency, not the government. We don’t offer every plan in your area; the full disclaimer is on all materials, and you can contact Medicare.gov or 1-800-MEDICARE for information on all of your options.
Yes — you need Part A and Part B before we can review plans. If you are not enrolled, we send you the Social Security instructions and follow up in two weeks to check whether your card arrived.
Not yet. If you are on an individual or family plan, do not cancel it until your Medicare coverage is approved. Once it is active, we walk you through the cancellation so you are never without coverage.

Review your setup and decide the next step.

Schedule Your Medicare Clarity Review

No obligation. Engage now or revisit at your next renewal.

Huhn Insurance
Coverage clarity for what comes next.

Coverage

Resources

Contact

307-284-3060
[email protected]
170 E Broadway Ave Suite 100 A
Jackson, WY 83001
PO Box 13908
Jackson, WY 83002
M-F 8am-5pm MT

Based in Jackson, WY. Licensed in 6 states (WY, ID, MT, CO, CA, TX).

Licensed independent insurance agency. NPN 19222086. Not affiliated with Medicare or any government agency.

Carrier compensation: Huhn Insurance receives carrier compensation on placement. On Medicare business, compensation is carrier-paid and we cannot bill you. On other lines, any client-paid fee is disclosed in writing before engagement.

Huhn Insurance Agency LLC is a licensed independent health insurance brokerage. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. We are not connected with or endorsed by the U.S. government or the federal Medicare program. We only review plans from carriers with which we are contracted.

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