Questions About Medicare Health

Insurance Options?

We've got you covered.

Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.

Medicare Advantage

Medicare Advantage plans are health care options that are part of the Medicare program. Coverage generally includes Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.

Medicare Supplement

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Medicare Part D

Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. They are either sold on their own or part of an Advantage plan.

Dental Insurance

Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.

Critical Illness

If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance pays typically pays a lump sum. Additionaly, some policies may pay a monthly cash benefit.

Individual Health Insurance

If you have family not on Medicare, we can help you find individual coverage that will fit your their needs.

Accident Insurance

Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills.


Your Trusted Insurance Professionals

KMT Consulting Services LLC was formed in 2016 and is dedicated to assisting people with Medicare insurance decisions who are approaching age 65, retiring or thinking about retiring. The products offered are ones that protect your health and cover you for illness and emergency now and in the future. 


Having someone in your corner who understand and works with the insurance plans, and Medicare and Social Security, on a daily basis, will help you make the best decisions.


The services are free to you.  Agents/consultants are paid by the insurance company in the form of a commission fee.  Commission fees are included in all rates so you pay the same whether you use an agent/consultant or not.  Medicare is a highly regulated government industry and all carriers pay similar commission fees so agents are not incentivized by one company over the other. 

Education is key to understanding the new Medicare world, especially when you continue to work at a company that offers medical insurance.  One of the goals of KMT Insurance is to educate and help you understand your choices and guide your insurance decision.




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