“Time Well Spent” Medicare Review Appointment Guidelines

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With zero doubt, we all want to be smart consumers and on the subject of Medicare, as a beneficiary, you have to know the facts each year to make sure you are saving the most amount of money possible on your healthcare costs. By knowing the facts, you can avoid some “surprises” when you need healthcare; namely unexpected costs.

Every year Medicare health plans change. Their premiums, deductibles, copays, coinsurance; all these things change… your COSTS change. Each year providers, facilities, and drugs enter and exit plans. Each year plans themselves enter and exit the marketplace.

Even covered procedures.


Call a professional; a licensed, experienced healthcare agent, and have them sit down with you and explain your options. A “broker” is the best possible option because they frequently represent multiple companies, rather than just a couple or even one. Brokers can remain unbiased and uninfluenced by individual plans because they remain independent. Sales agents working for one plan and want you to buy their plan. Right? An agent is not going to be paid if you choose their competition. Makes sense, right?

What you need is an unbiased professional that you can trust, to sit down with you and help you double check your plans against all those being offered to make sure.

While they are there, you should have them verify your physicians and other providers status; that they are “in-network” for the plan you choose. Not that they accept the plan… because that can be misleading. They need to be “in-network” for your plan. This is especially important in HMOs. Providers are very often moving in and out of network for plans.

They need to also check your facilities. Your hospitals, clinics, practices to make sure they are “in-network” as well. You really do not want to pay “out-of-network” rates if you do not have to.


Heavens no. Any agent; independent or not can enroll you in a healthcare plan. And, we do not even need your prescription list, provider list, etc. In fact, most agents don’t want to spend the time necessary to do all this research when they come to see you.

And, it’s important for you to know that, if you share that information with them, that it has NO IMPACT ON WHETHER YOU CAN ENROLL OR NOT… During the Annual Enrollment Period (AEP), you cannot be turned down do to health conditions. Everyone is accepted. The only purpose for sharing that information with your agent is so that he can evaluate what your possible healthcare costs will be for the coming year. It has nothing to do with ability to enroll.


The fact is our lives would be easier if we did not do all this research. Can you imagine. If i I had 1000 clients for instance, do I really want to look up maybe 10,000 drugs if each had 10?  LOL

No. This is not for us. Rather, this research should be our commitment to you. This is what I do for you that most will not. I want you to know all your facts so that you can make an informed educated decision, so that next year, you are not caught with a financial surprise!


If you would like my help, then contact me. You can email me, call me or just click the  “Schedule Appointment or Call” button on the right and book your own appointment with me. I am happy to help.

To visit my “Contact the NINJA!” page, go HERE!


  • Jeff Maynard

    Once again the NINJA came thru with flying colors...This man is amazing in many ways...I had an issue with my insurance lapsing, I called Todd and without hesitation he made an appt. for the next day...30 minutes into our appt. my problem was solved...Now that time frame was blessed with short waiting period on the phone, that probably isn't always the case...But he was willing to stay on task regardless of the waiting time...I suggest and recommend Todd for any and all of your insurance needs...Besides that he is great to sit and talk with because of his knowledge and wisdom in so many areas....Once Todd I THANK YOU for all of your help and support..

  • Maureen B.

    Todd helped me save money and was really good with the paperwork. He showed me all my options.

  • Regina F.

    He helped know which was the best way to go on my insurance. Then last year he helped me get some bills cleared up through my insurance after a surgery.

    He was kind, patient with me, and wonderfully helpful.

  • Beverly C.

    Todd helped me pick out the right package for me. He explained everything to us so we understood it. Very nice and well mannered.

  • Jerry M.

    Yes. Todd helped me save money on my prescriptions and health care.

  • Larry Joe

    You have saved us money. Hope you can keep saving us money. Lots of the medicine is a racket. Thanks for being there for us.

  • N. Hampton

    Todd helped me very much. He answered all of my questions.

  • Ron B.

    Calmed my fears. The plans you picked for me worked great. Thanks.

  • Lillie N.

    Todd helped me with answers when I need help. Thanks a lot!

  • Skip S.

    Todd helped me transfer to Humana without any problems.

  • Phyllis S.

    Todd showed us an insurance plan that was right for us. The process was quick, simple, stress free,  no-hassle. Amazing! God Bless you and thank you!

  • Gary M.

    Yes. It saves me money!

  • Gladys R.

    Helped me know what I needed. Very kind and helpful.

  • Pauline R.

    Anytime I've had questions Todd has always took the time to explain what I need. With health insurance as it is today, we need someone to "stand in the gap" for us. Todd is not only our agent but has become a dear friend as well. Really do appreciate him.

  • Mary C.

    You helped me understand my healthcare and my Medicare. Thank you.

  • Nelson G.

    Todd was good about meeting me at a location closer to where I live.

  • Wayne C.

    Thanks for helping me get my meds!

    An for all the trouble you have gone though trying to get my Medicare Part B straightened out. See you soon.

  • Ruby G.

    Todd saved me money when he explained the benefit of an HMO instead of the PPO I had for years. Given my good health status I do not go to the doctors much. Todd also looked up different PCPs for me to choose from. Very helpful. I have never had this much help!

  • Larry E. & Phyllis J.

    Todd saved us money on insurance, Medicare and he can answer all your questions.

  • Shirley W.

    Todd helped me get set up with Humana Advantage plan. He made it easy and I greatly appreciated that.

  • Marion S.

    Todd helped me save $18.80 on my prescription medications.

  • Phyllis D.

    Mr. Oldfield helped my husband and I get his retirement plan plus social security for us in order. Had I listened better, I would be paying less for a drug plan.

  • R. & J. Brandenburg

    Todd, You saved us money and we were so happy I ran into you at Wal-Mart. We found you to be a really nice quy and look forward to working with you next year. I will make you chili again!


  • Jennifer P.

    Todd found me the best plan with the most options for less money. Explained in detail the various components of my policy and how to save money.

  • Madelaine

    Todd was wonderful helping me decide on a plan. I liked having someone to guide me thru the process who is kind, knowledgable and helpful.

  • P. Rhineheimer

    P. Rhineheimer

    Todd has always been very helpful in answering any questions I have had. Has also helped other family and friends.

  • L. Braddock

    The most helpful agent ever.

  • Lowell E.

    Todd, I especially appreciated the "changes" in the federal Medicare, etc. for 2016. I can now anticipate those changes.

  • M. Warren

    Very Informative!

  • Christy R.

    Todd was an absolutely wonderful in helping us to navigate our way through the medicare and supplemental insurance hurdles. He took the time to explain everything for us and was very knowledgeable. I would highly recommend him.

  • Dave G. aka Riverdave

    I was very impressed by the excellent meeting I had with agent Todd Oldfield from the 'cool' group of agents. He was very through, professional and knowledgeable. He had the answer to any question I had and further was not in a rush, seemed like he thought I was a human being as opposed to just another commission. He also met me at a little deli about half way between Lexington and my little home down on the Kentucky River. [to tell you the truth I believe he would have come all the to my home but I would not ask that of anyone without a 4 wheel drive vehicle that had a ground clearance of at least 10 inches. But I bet he would have . ]

    If the rest of the agents associated with the 'Cool Group' are anywhere near the caliper of Mr Oldfield then this is certainly the place to shop for your insurance needs. In my case I was to start with Medicare. (the government seemed pretty adamant on this point) The plan Mr Oldfield laid out was with Humana and I truly believe that I came out with better than I could have by just letting the government give me whatever their concept of health-care is, the Humana folks picked up from there and sent me a great deal of info on my plan and continue to be on call for any questions I may have.


    Now I just need to get sick. OK, no I really do not want to get sick, but it's a comfort to know that I have good coverage and then some. I did book an appointment for a check-up and place an order for my monthly $30. worth of over the counter items including a blood pressure cuff w/stethoscope.
    I highly recommend the 'cool' group and agent Todd Oldfield.

    Yours in Liberty,
    David G. aka riverdave

  • C. Baker

    Todd came to my house instead of me having to go to him. He sat down and explained Medicare and supplemental health insurance fully. Through his computer program he defined best program for me. Additionally best RX program and saved me ENORMOUS time and energy.

    "Best insurance agent I have dealt with."


  • Rita H.

    He is very knowledgeable, with insurance needs very helpful. If he does not know the answers he will gladly find out and get back with his client. I like his work ethics. Nice. Polite.

  • Pauline R.

    Todd has always explained the choices well. He has been available anytime I or friends of mine had questions or issues about payments. He has become a friend.

  • Melvin S.

    Mike (Todd) was extremely helpful with my insurance coverage. I feel he got me the best possible insurance and at the least cost! Very, very knowledgeable.

  • Robert S.

    My agent, Todd Oldfield was very professional and very well informed.

  • Amy D.

    While Todd is known as being the Medicare NINJA, he is also well-versed in Kynect health insurance plans. He expedited the sign-up process to ensure the deadline was met. In just one conversation it became quite evident Todd knows the insurance business and I knew right away I was in good hands! He listened to my concerns and addressed them timely. He achieved the results I was after - so I now know him as the Kynect NINJA!

  • J. Martin & L. Harper

    Mr. Oldfield came to our home and explained the choices of supplements. He was very knowledgeable and patent when we asked questions and I feel I can call him anytime if questions arise.

  • P. O’Neal

    Mr. Oldfield was very helpful in helping me obtain affordable health insurance.

  • D Whitt

    I want to thank Todd for making a big difference in my life. Since I am turning 65 soon, Todd came to my home and reviewed my current insurance. I am thoroughly confused by insurance companies. Todd showed me that I have been paying $60 a month, for the past 6 years for a policy that has covered nothing. Todd made phone calls and prepared the necessary paperwork while he was at my home. Now I have the coverage I need, extra money each month, and Todd as my agent to make sure my insurance needs are met. He is also very friendly and by the time he left, I felt like we were old friends. Thanks Todd!!

  • Karen J.

    I want to express my appreciation for your assistance in enrolling me in an individual insurance program. I was impressed with your vast knowledge of all types of insurance. I will call you to revisit my insurance needs.

  • D. Dickerson

    You surely must know you are appreciated by all your clients. The labyrinth of insurance details is messy business. A person needs people like you to sort out the messy, confusing options. Aside from making an informed choice, you were especially pleasant and kind.

  • Michael L.

    The speaker clearly knows the material. I came away feeling like I had a much better understanding of Medicare; it's components, my exposure to financial risk should I become ill, and how to protect my finances.

  • Linda C.

    So glad I came. Helpful tools & very pleased with presentation.



    Michael Todd is one of a dying breed of sales reps. He knows his product , is very sincere and honest and as dependable as a mother. He loves his job and strives to be the best for you; the customer .

  • J. Maynard

    Mr. Oldfield is extremely proficient in with his knowledge of insurance needs. I called just a few days before the open enrollment deadline.. He told me not worry that we would get it all taken care of.....Taken care of it was...I met with at our appt and 30 minutes later, I had insurance, basic knowledge of the policy which was explained in more depth when I called a week later to ask some questions...Todd is a knowledgeable, genuine and caring insurance GURU..... HE ISN'T CALLED THE "MEDICARE NINJA FOR NO REASON".....Call him for your healthcare needs...you won't disappointed.....

  • H. Ziegler

    I was in need of health coverage so I went to my friend Todd Oldfield. He was able to help me out. He has gone above and beyond the call of duty to make sure I have proper coverage. I highly recommend anyone that needs coverage to call on Todd for help.