To speak with a licensed agent, call 920-509-1126 (TTY 711 M-F, 9am-5pm) or email brefczyn.jare@gmail.com
Algoma Insurance Group

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!


      By submitting this information, you acknowledge a licensed insurance agent, Jared Brefczynski, may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Get Free and Friendly
      Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Special Needs Plans

      SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Medicare FAQs

      Answers to some of the most common questions asked by Medicare beneficiaries.

      Allow Us to Save You Time and Money!

      We shop multiple carriers, help you to understand your options,
      and find you the best plans and lowest premiums.


      AARP United HealthCare
      Aetna
      Allstate Health Solutions
      Anthem BlueCross
      Cigna
      Humana
      Mutual of Omaha
      United Health Care
      Well Care

      Frequently Asked Questions


      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?

      Testimonials

      Here’s what our clients say about our service…


      I attended a seminar that Jared hosted when I was soon to be 65. He was knowledgeable and concise with the information. My daughter attended with me, she was impressed also. Currently whenever I have a question he is quick to respond. Keep up the good work.


      Karen P.

      Jared and Tyler have been incredibly responsive to my needs, as well as those of my spouse. I trust them totally and give my highest personal recommendation for them to anyone seeking Medicare information and coverage! Each time I attend one of their presentations, I come away with important new insights. Thank you, Jared and Tyler!!


      Lori B.

      This team has been there for me from the beginning when Jared came over to my house to explain Medicare to me. He got me signed up with an advantage plan and has been easily available everytime I have questions or need to make a change. Thanks guys.


      Deborah

      Algoma Insurance Group are very knowledgeable and helpful.


      Debra N.

      It was great to discuss our insurance needs with Jared B. He took the time to answer any questions we had during our meeting and during subsequent phone calls.


      Heidi S.

      Jared Brefczynski has been our health insurance agent since we retired 7 years ago when we needed to select a Medicare supplement. Jared helped us to sort through all the pros and cons of the policies we were considering to find the one that suited our needs. As we went forward after that, he has always made himself available to us to…

      Read More


      Bob and Carrie G.

      Jared Brefczynski has been our health insurance agent since we retired 7 years ago when we needed to select a Medicare supplement. Jared helped us to sort through all the pros and cons of the policies we were considering to find the one that suited our needs. As we went forward after that, he has always made himself available to us to listen to concerns or answer our questions. As my family and friends near that Medicare age, we continue to recommend him and his agency to help them make good decisions for their health care, too!


      Bob and Carrie G.

      Wife and I both turned 65 in 2023. We attended a seminar by Jared, followed up with an in home visit. He was very informative, did a very good job to find different plans that met our needs, and was no pressure to sign us up with a plan. I was especially pleased that he has continued to remain in contact to make sure the plans we chose…

      Read More


      Rick B.

      Wife and I both turned 65 in 2023. We attended a seminar by Jared, followed up with an in home visit. He was very informative, did a very good job to find different plans that met our needs, and was no pressure to sign us up with a plan. I was especially pleased that he has continued to remain in contact to make sure the plans we chose are being utilized to the fullest and were the right choice for us.

      Anybody turning 65 should at the very least hear a seminar that he schedules regularly for Medicare supplement & advantage plans.


      Rick B.

      Algoma Insurance Group. Jared B….. it is a pleasure working with you. My health insurance is in great hands. You have had an answer for any and all of my questions. I love telling these Medicare callers that my policy is Great! And No I don’t want to review anything with them. Jared my confidence is with you, and your brother even…

      Read More


      Rebecca Z.

      Algoma Insurance Group. Jared B….. it is a pleasure working with you. My health insurance is in great hands. You have had an answer for any and all of my questions. I love telling these Medicare callers that my policy is Great! And No I don’t want to review anything with them. Jared my confidence is with you, and your brother even handled one of my concerns!! Keep up the good work and I will stay with your company.


      Rebecca Z.

      The Algoma Insurance Group does an exceptional job of keeping me and all their clients well-informed with what is going on in the insurance world. I appreciate the opportunities to gather for updates regarding Medicare coverage.


      Ginny L.

      Articles and Information


      Blood Clots: Why They’re Dangerous and What to Watch For

      Blood clots can be frightening, but awareness and quick action save lives. Know your risk factors, stay alert to symptoms, and talk to your healthcare provider if you have concerns.

      Reminder: Medicare AEP Ends December 7, 2025

      Medicare’s Annual Enrollment Period (AEP) is the one time each year when most beneficiaries can make changes to their coverage. For 2026 plans, AEP runs from October 15 through December 7, 2025.

      Medicare for Couples: Why You Can’t Share a Plan

      Medicare does not offer family or joint coverage. Each person must enroll separately and have their own plan.

      Turning 65 Soon? What Happens If You Don’t Enroll in Medicare?

      Your Medicare Initial Enrollment Period (IEP) begins three months before your 65th birthday, includes your birthday month, and extends three months after.

      How Medicare Covers Specialty Care for “Invisible Illnesses” Like Fibromyalgia and Chronic Fatigue

      For older adults navigating these chronic conditions, understanding how Medicare covers specialty care is an important part of managing long-term health.

      What Happens If You Missed Medicare’s Annual Election Period?

      The Annual Election Period has ended, so if you have questions, reach out to us.  As licensed insurance agents, we will explain your current options.

      Hearing Loss, Cognitive Decline, and What Medicare Will Cover

      Hearing loss is often viewed as a normal part of aging, but recent research shows it can have a much larger impact on long-term health than many people realize.

      Managing Multiple Specialists: How to Coordinate Care Without Losing Your Sanity

      As we age or as health conditions become more complex, it is common to find yourself seeing several different medical specialists. Each plays an important role, yet managing all these moving parts can feel overwhelming.

      What Medicare Beneficiaries Should Know If They Move

      If you’re planning a move or have recently relocated, call us. We can help you review your Medicare options and make sure your coverage continues properly.

      Read Additional Articles

      Join Our Newsletter List

      Twice each month we deliver health tips straight to your email inbox. Try it, we think you’ll like it!

      You can unsubscribe at any time.


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