Enrollment Assistance FAQs by The “Medicare NINJA!”

  • 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.

    Melvin S.
  • He got me some relieve of prescriptions.

    Virginia Y.
  • Todd has always been there for me no matter what I needed help with. He is a very updated and knowledgeable agent. He is very nice and helpful even if he has to drive a long ways to get to you.

    Thank you Todd

    T. Bruner
  • 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.

    Pauline R.
  • Knowing that Cool has my back is a advantage.

    Ron L.
  • Todd has been very helpful in my choices of health care. Especially what is best for my unique health condition.

    Rhonda W
  • Thanks Todd for keeping things easy for me. I appreciate you.

    Molli C
  • Todd i have known for many years he helped me with insurance and has been a good friend. He called me from another country just to answer a clients question. thank you for all you do and will do to make life more simple.

    Carolyn HHenson Rent A Room For The Elderly
  • Todd was good about meeting me at a location closer to where I live.

    Nelson G.
  • Todd is very specific -- cutting to the chase - helping save money on healthcare and it great! And fast!

    Nathan G.
  • Todd was extremely helpful with my Medicare intitial application for prescription coverage. Todd returned twice to ge everything just right. I learned cheaper isn't always better.

    Thanks, Todd



    Bonnie S.
  • 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.

    Christy R.
  • 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.

    Rita H.
  • 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!!

    D Whitt
  • 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.

    D. Dickerson
  • Todd goes above and beyond to find the best for a client by successfully navigating a confusing insurance landscape. It isn’t a one size fits all, rather a detailed evaluation for each individual’s plan.

    K. Rice
  • Saves me money.

    Mavis C.
  • Todd told me about OTC plan (vitamins, etc.) that I was not aware of. Saves me at least $45 per calendar quarter. Every $$$ counts. Very pleasant to work with.

    Dennice L.
  • Dear Todd Oldfield;

    We were very pleased to of found someone we can rely on that will return calls if needed and always with sincere humor always ready to answer our questions. We feel you saved us money and did not increase our premiums. That's a plus! We love doing business with you. Hope to always have you around. Stay cool. Sincerely.

    Denny & B. L.
  • Todd has given me excellent service for 3 years.

    John M.
  • Todd always does great work. He explains what options I have and provides his opinion if he thinks it is better for me. I really appreciate his expertise.

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

    Maureen B.
  • Great Person!! Always there to help you in any way he can. He has really helped me to find the best insurance for my needs. What ever you need give him a try!! Glad I did!!

    James M.
  • He was very nice and helpful to make us understand our plan more completely. He saved us money also!

  • Todd saved me a specific amount of money.

    Todd increased my coverage.

    Todd gave me information for different plans & price & how to use them to my benefit.

    Thanks Todd

    A. Clark
  • You save me money on my healthcare now that I have had a pace maker. I had it put in February of this year.

    Mary C.
  • Have enjoyed working with Todd for several years now, trust him completely.

    Wayne S.
  • Yes, we feel you have helped us. Fortunately I have had no measure illness.

    Ron B.
  • Todd has always helped me in finding more reasonable prescriptions within the area.

    Pamela H.
  • Todd was a great help to me this past year on a claim for me. Found out Medicare or Humana didn't pay for a chair lift for our home. He will answer any questions I have for him. Thanks Todd

    J. Curtis
  • Helped me know what I needed. Very kind and helpful.

    Gladys R.
  • 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

    Dave G. aka Riverdave
  • Todd helped me choose between several health plans. He reviewed three of them and got the best of the three for 2024. Thank you.

    D Neace
  • Saved me money on my health insurance premium. Helped me file forms for GTL insurance.

    Edna S.
  • Todd helped me by coming to the house due to my fall and I cannot walk.

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

    Beverly C.
  • Currently have a Medicare advantage plan

    Diana L
  • Yes. It saves me money!

    Gary M.
  • Todd is an awesome person that has taken care of me for the last few years. Love the personal detail and with a fine tooth not missing a beat with my Medicare needs. Has helped me one on one and he is very unique and one of a kind.

    Nada T.
  • Todd was very detailed and covered my every need.

    Very nice, trustworthy as well. Honest in explanation and knowledgeable about what he was talking about.

    NMT Johnson
  • I attended a class. Todd helped me with my Medicare & savings!

    Carolyn C.
  • Todd Oldfield has been very helpful in regards to our health insurance and has been very dependable.

    Christa J.
  • Todd opened my eyes on opportunities for my retirement savings as well as my options for my healthcare. Plus, he's fun!

    Wayne S.
  • 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.

    Wayne C.
  • 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."


    C. Baker
  • You cost me money. You at all my chili but you licked the bowl clean HO HO!

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

    P. Rhineheimer
  • Looking to see if better coverage than what i currently have. The photo is of me and my husband. However I am the only one interested in appt.

    Diana E
  • You are the greatest!

    Ronald B
  • Even though I had years of medical insurance billing experience, Todd help me navigate the Medicare options that were the most financially beneficial for me and my current situation.

    I trust Todd and appreciate his knowledge and sensitivity to people on fixed income.

    Stephanie S

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

    N. Hampton
  • Todd helped me save money on my healthcare

    Amy E.
  • Todd helped me transfer to Humana without any problems.

    Skip S.

    Norma H.
  • You have always been there for me. You explain y options so that I could understand. You have baan a friend to me and I appreciate you.

    Clara Q.
  • 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.

    Jennifer P.
  • Todd saved me money on my prescriptions. I love the Silver Sneakers program.

  • My out of pocked expenses have been minimal!


    Todd has always been available any time I have questions. He has helped friends of mine with good coverage as well.

    Pauline R.




    ~T. BRUNER

    T. Bruner
  • Good job

    Brenda U
  • I trust Michael Oldfield. He's been my agent for years. He always makes time for me. Always makes time over the year to explain any changes. If I have any questions, I can call him. If he's not available, he calls me back soon as he can. I probably would have changed a long time ago if Mr. Oldfield wasn't my agent. He's like family.


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

    Ron B.
  • Help me greatly I had no idea what to do He got me all straightened out. I’m very happy with the results

    Connie a
  • You helped me understand my healthcare and my Medicare. Thank you.

    Mary C.
  • The most helpful agent ever.

    L. Braddock
  • Todd has driven many miles for over 10 years to personally ensure I have the best coverage to fit my needs. He is most dedicated agent you could have.

    Deborah WDedicated Client
  • 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 Joe
  • 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!

    Ruby G.
  • Love this man Todd been taking care of my Health insurance for the past 10+years He is the Best

    Nada TJ
  • Todd is very professional and explains all you will need. He is so easy to talk with and is very thorough in his search for the right plans you need. He will not waste your time and you will feel confident using his service!

    Jill W
  • Updating insurance

    Kimberley R
  • Saved on prescriptions.

    Bonnie S
  • Made it as painless as possible for us to obtain Medicare supplements and drug plans that were in our best interests

    Cynthia H
  • I have been so please with Todd. I have been working with him for 4 years. Always does a great job checking each year! Always asking all the questions to see if my needs have changed.!

    He is the real deal!

    Nathan G.
  • Yes. Save money on my insurance by using a better plan.

    Jerry M.
  • Todd helped me navigate the crazy world of Medicare and I would be lost without his knowledge and expertise.

    Elizabeth D.
  • Great person! Doing a great job!

    Karen F
  • Helped me with my Medicare and recommended additional supplement for future coverage.

    Dennice L.
  • Todd is great! Knows his stiff and takes the time to explain any questions. Very belpful!

  • Great job

    Maya ZNo company
  • I really like ninja he takes good care of me Thank you very much your friend Arville Simmons

    Arville S
  • Todd came to my house and I felt he and I had known each other for years. He showed me how I could save and believe me, I have saved!

    I love Todd!

    Vicki B.
  • More coverage. Less money. I now have peace of mind.

    Pamela W.
  • Todd helped me a great deal. Pleasant and gave clear explanations for the uninitiated. Easy to reach for any problems or concerns. Was available when I needed him.

    John H
  • 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!

    Phyllis S.
  • I would be lost without Todd.

    Minnie C.
  • Todd helped me with advice on a long-term care policy that I have had for years never used but it, was changed and the cost went up, and services afforded went down. I feel his advice was the best I could have found and was available. He is a special man devoted to his clients. He helped willingly and it meant nothing to him or his time.

    Barbara B.
  • Tod has been there for me and my husband with every question and advice I needed ! Wonderful kind and caring person ! My husband Passed Away November 15 2022 , he love tod and was there for him and since gone be there for me ! Wouldn’t have anyone but him for my insurance needs!

    Pauline H
  • Todd helps all around.

    Larry E.
  • Todd has put up with me and I really appreciate it. Thank you, Todd!

    Janet R.
  • I want to thank Todd for suggesting that I purchase a supplemental insurance ("GTL"). I had a bad fall and broke both shoulders. Without the insurance, I would have had more co-pays.

    Thank you, Todd.

    Frances J.
  • Todd was highly recommend to me by a friend, as they spoke very highly of him. He has been very helpful and patient with me. I’m widowed and was unsure of where to start. I called Todd and he took very good care of me, and continues to do so. I would highly recommend him to anyone.

    Gary S.
  • Todd helped me get an insurance plan that saved me almost $300. Also I can get OTC drugs.

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

    Larry E. & Phyllis J.
  • Todd helped me with my insurance and guided me in deciding on the best one for myself and my husband.

    Janeth D
  • Todd has been helping us find the best Medicare supplements for 7 years now! He’s the BEST! Trustworthy and Kind…always has our best interest in mind as he looks over what would be the best coverage. Thanks Todd for making it so easy in the annual “search”!

    J. Balm
  • Todd helped me save $18.80 on my prescription medications.

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

    Robert S.
  • Todd helped me with my Medicare.

    Joe E
  • He helped me find the proper health care coverage for me.

    Chris C.
  • Postage isn't cheap

    James stamper
  • I appreciate your help in finding Cindy and I what seems to be the best Medicare “fit” for our health care. It’s a complex decision that involves not only cost, but access to care that meets our needs. You communicate well, and have made yourself available when we had additional questions. I appreciate the time you spent with us and will continue to follow up with you yearly

    J Harrison
  • Saved me money on not having to pay monthly premiums and on prescriptions (by receiving them in the mail.)

    Saved me more than $2,000.00 per year.


    D. Todd
  • Mr. Todd came to me on a day's notice, and advised me of my options and helped me chose the plan that best suited me. He is great at his job and very knowledgeable of your choices. I would recommend him to anyone because I have to my own family members. I am also proud to call him a friend.

    Bill F.
  • I am just starting Medicare this December. Todd has been so helpful. I don't know what I would have done without him. He is truly a blessing.

  • 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.

    Regina F.
  • Everything went well. Thank you so much for your service!

  • My husband and I started with Todd after we decided not to go back to Winchester to an agent. Todd has been wonderful with us. He cares and makes sure you get what is best for your needs.

    Would not have anyone else but Todd.

    Karen S.
  • 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!


    R. & J. Brandenburg
  • 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.

    J. Martin & L. Harper
  • Todd has always been very helpful. He explained thoroughly the plans available and which would suit my needs better. On top of that he's always been very friendly and has a good personality.

    Shirley W.
  • Todd helped me get my insurance cheaper.

    Jerry M.
  • 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.

    Phyllis D.
  • Todd explained things to me so I could understand it. He pointed out this policy that world be the one better to save me money.

    Beverly C.
  • Todd helped me to get an Anthem Advantage Part D Plan. It is working fine but I want to add eye and dental. I know Todd will help me with that too. I am very satisfied with Todd Oldfield,

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

    Jerry M.
  • I have been with Mr Oldfield from the second year of eligibility, so a very long time. I don’t have to worry about anything. He always meets and exceeds all of my expectations. I have referred many family and friends to him. Once you go to the “Ninja” you never leave him. Being retired from the medical insurance business, you won’t find a more dedicated, knowledgeable and trusted individual in your corner.

    Johnna S
  • Todd is an excellent man & sure is intelligent person. God Bless him.


    Lillie N.
  • ...I want to hank you SO much for guiding me into a supplemental insurance policy. I have had a really rough year, health wise.

    In September last year, I got a fracture in my lower back. In December I got another one. I went through therapy, shots, etc. Long story short, I had surgery on July 10th. He put rods and screws in and I am doing better with that. Still in some pain, but considering the excruciating pain that I was in, I hate to even call it pain.

    I have had pain and weakness in my left leg since the surgery. He thinks I have a pinched nerve or a damaged nerve above where he put the rods in and he is still working on this problem.

    Again, thank you for all you have done for me. If it wasn't for the supplemental insurance, I could not have had any of this done. I have been to more doctors and have done more procedures done this past year than I have in my entire life combined. That includes going to my doctor every 3 months for my diabetes (which is doing great). 

    I know my insurance premium will probably skyrocket, but I am so blessed to have had a way to get this done...

    Very sincerely.


  • 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.

    Michael L.
  • 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.

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

    Lillie N.
  • Go me connected!

    Shelby C.
  • Todd is an amazing person. Not only does he really is experienced in his field he treats you like family. I look forward to using him again in 2024.

    Phyllis Slone
  • Todd is a very knowledgeable —he KNOWS insurance. And has kept me on track for 3 years now.

    S Ritchie
  • You saved me money on my insurance.

    James T.
  • Todd helped me on my medical prescriptions with lower prices for me to pay.

    Marion S.
  • 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 .

  • I was very satisfied, you really helped me to understand what I was getting! I appreciate you taking the time to explain everything to me! Thanks Todd

    Terri Jones
  • Yes. You sure have saved me and Phyllis lots of money and hope to keep saving.


    Larry E.
  • Todd help me save on Medicare and healthcare.

    Mary C.
  • Todd helped me a great deal. Pleasant and gave clear explanations for the uninitiated. Easy to reach for any problems or concerns. Was available when I needed him.

    John H
  • I am incredibly grateful for the exceptional service provided by Michaed Todd Oldfield. Their professionalism, attention to detail, and dedication to finding the best coverage for my needs are always outstanding. I highly recommend Mr. Oldfield to anyone seeking reliable and trustworthy insurance services.

    Debra D
  • Very Informative!

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

    Shirley W.
  • Saved me money - I feel better knowing I have more coverage -


    Mr. Todd is a good person - is willing to take time to help you in all your needs.

    Pamela W.
  • Very well & God Bless You.

    Janet R
  • Mr. Todd has been of great professional assistance for our Humana Medicare insurance.

    Christa J.
  • you are good Todd! Served me well over the years.

    Ronald B.
  • Todd helped me pick a plan that best covered my needs.

    K. M. Bell
  • Todd has been an excellent agent and friend for many years. He has helped me so much and continues to check in with me. He's the best!

    Kim A.
  • Thank you for Following up with me.

    Diane K
  • My cool agent Todd is an amazing, great thorough and knowledgeable man and has the personality to go with it.

    Nada TJ
  • Todd did all the leg work to get the most for the least. For me, it saved me a tremendous amount of time and frustration.

    Richard & Mary C.

You need to call me, email me, SMS 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 – December 15th. 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 the coming plans. 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. 

Q. Whom do you represent?

I represent many payors including Humana, Anthem BlueCross/BlueShield, Cigna, Mutual of Omaha, Wellcare, SilverScripts and several others in the Medicare Marketplace and Anthem BlueCross/BlueShield in the ACA 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 Fulton. 

Pretty much anywhere within the state of Kentucky. IF you live in Kentucky, chances are I will come to you.

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 4.5 hours of Lexington and live in Kentucky, 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.

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