Enrollment Assistance FAQs by The “Medicare NINJA!”

You need to call me, email me, SMS me, book me, flag me… whatever and however you choose to reach me… do it soon. Enrollment season is coming.

As most of you know, both Medicare and ACA seasons are fast approaching. What does this mean and why is this so important? And who does it affect?

Well, frequently asked questions are listed below. It’s very important for you to contact me ASAP to schedule your own “Time Well Spent” Medicare or ACA review appointment. Appointments are handled on a first come, first served basis.

todd menacing 3

Frequently Asked Questions

Q. Who or what is the Medicare NINJA!?

Simply put, I am The Medicare NINJA! It’s just a silly name that stuck. I think it kind of ties to the fact that I “live and breathe” Medicare! I am a licensed health insurance agent, working as a broker in the state of Kentucky (KYDOI#814418). I fight to help my clients “chop” their Medical expenses. A

 LOT of clients have dropped me wonderful testimonies. 

A few are highlighted at the bottom of this article.

Q. When is Medicare Season and Who is Affected?

When we talk about Medicare Season, we are talking about the Medicare Annual Election Period (AEP) which runs from October 15th – December 7th each year. Pre-enrollment is between October 1st and October 15th.

This is the annual season that most Medicare beneficiaries can review coming Medicare Health Plans and make any needed changes for the coming year. This is a very important time for Medicare beneficiaries as these plans change every year. Premiums, deductibles, copay and coinsurance amounts, covered services, and provider and drug inclusions or exclusions change.

Q. When is ACA Season and Who is Affected?

This is the same period for the “under 65” crowd that have individual insurance plans. This year, ACA Open Enrollment will be from November 1st – January, 31st. These would include the millions that participate in the Affordable Care Act (ACA) otherwise known as “Obamacare”. Just like Medicare beneficiaries, it is important for ACA beneficiaries to meet with a professional agent to review your 2016 coming plan. These plans change every year and it is important to have this annual review to make sure you are in the plan that will save you the most money.

Q. Why is Medicare Season important to me? Why is ACA Season Important to Me?

Well. It might not be. Do you want to make sure you save the most possible?

todd menacing 2Q. What is your role? Does meeting with you cost me anything?

I am a healthcare insurance broker. This means that I am a licensed health insurance agent in the state of Kentucky (KY DOI#814418), but, rather than work directly for a health insurance company as a “captive agent” I choose to remain independent. This allows me to remain objective and I can pick and choose which companies to represent, based upon my valuation of their offerings, service, and products.

There is no charge for my service. I come meet with you, usually at your home, and talk to you about your objectives and concerns, use Medicare.gov or www.healthcare.gov to rank the offerings and then enroll you in the plan that saves you the most money.

I am paid directly by my payors to enroll and serve their members.

Q. What makes you different from every other insurance agent? How are you different than just calling an insurance company from a television commercial?

Excellent questions. I think my differences lie in two areas. One, is tied to my ability to be objective, due to my independent status. I do not work for a specific insurance payor. I represent many of the best names in the industry. Objectiveness is a major advantage. It keeps me out of the “selling you my product” kind of mentality.

Second, is my trusted “Time Well Spent” appointment method that I have perfected. When I meet with a client, my appointments run a little longer than the average insurance agent appointment. This is because I spend a great deal of time researching your prescriptions, providers, facilities… and explaining your summary of benefits. The last thing I care for is surprises when you receive medical care.

See “Time Well Spent” appointments for more information.

Q. Whom do you represent?

I represent many payors. Humana, Anthem BlueCross/BlueShield, UnitedHealthcare (AARP), Baptist Health Plan, Cigna, SilverScripts and several others in the Medicare Marketplace and Humana, Anthem BlueCross/BlueShield in the ACA Kynect.com marketplace.

todd menacing 4Q. Do You Cover My Town?

I cover a large geographic territory from Kenton, Boone, and Campbell counties in northern Kentucky, east as far as Boyd and Pike Counties, down all the way to Middlesboro, KY and then west as far as Mayfield. 

Pretty much anywhere within 4.5 hours of Lexington.

Q. How do we meet? How do I book an appointment?

Well, there is a variety of ways that we can meet. 

First and foremost is Walmart. During Medicare season, I can be found in the Hamburg Walmart Supercenter in Lexington, KY. If you live around Lexington, this is as good an option as any to meet up with me. Be sure to schedule an appointment if possible, so that I know you are coming, and do not take on a conversation with a store patron.

Second, are face-to-face appointments in your home. If you are within 3 hours of Lexington, I will be happy to come see you to discuss your Medicare case.

Third, you are welcome to schedule an appointment with me at my office outside of my Walmart hours. During AEP season, I work seven days per week to accommodate the need.


todd menacing 5Q. What do I Need to Bring to an Appointment?

I have an excellent page that outlines what to bring to an appointment as well as how an appointment works and what we do during a “time well spent” appointment.

Q. Does this help? Do you actually help if I book an Appointment With You?

That, you would have to ask my clients. Below are some personal testimonies from my actual clients that have given me permission to share their comments.


Testimonials from Real Clients!

  • Robert S.

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

  • Ron B.

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

  • Mary C.

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

  • L. Braddock

    The most helpful agent ever.

  • 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.

  • 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.

  • Gary M.

    Yes. It saves me money!

  • 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.

  • P. RhineheimerP. Rhineheimer

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

  • 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!

  • N. Hampton

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

  • 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.

  • 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.

  • Linda C.

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

  • 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.

  • Marion S.

    Todd helped me save $18.80 on my prescription medications.

  • Nelson G.

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

  • 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.

  • Larry E. & Phyllis J.

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

  • 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.

  • 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.

  • Skip S.

    Todd helped me transfer to Humana without any problems.

  • 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.

  • 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."


  • Jerry M.

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

  • 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!

  • 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!

  • 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.

  • 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.

  • 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!


  • Gladys R.

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

  • Shirley W.

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

  • Maureen B.

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


    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 .

  • 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.

  • 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!!

  • 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

  • Lillie N.

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

  • 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.