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?

      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.

      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.

      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


      Hormone Replacement Therapy Gaining Popularity with Aging Adults

      If you’re experiencing symptoms of hormonal imbalance or are curious about how hormone therapy might fit into your wellness plan, start by having a thoughtful conversation with your doctor.

      7 Questions to Ask When Choosing a New Medicare Plan

      Choosing the right Medicare plan involves careful thought and review. Your health, budget, and personal preferences all play a role in making the best choice for your needs.

      Do You Have to Enroll in Medicare if You’re Still Working?

      If you’re approaching age 65 and still working, reach out to one of our knowledgeable licensed insurance brokers. We’ll help you understand your options.

      Exploring Holistic Medicine for Beneficiaries: Coverage and Considerations

      Holistic medicine offers seniors a supportive path toward better health and a higher quality of life. By blending traditional care with thoughtful, natural approaches, many find a greater sense of balance and vitality as they age.

      An Overview of Upcoming Medicare Part D Changes for 2026

      Medicare beneficiaries can expect important updates in 2026 that may impact their coverage and out-of-pocket costs. Understanding these changes now can help you prepare and also ensure you’re making the most informed decisions during enrollment.

      Medicare and Preventive Care: Screenings and Services That Could Save Your Life

      Medicare covers a wide range of preventive care services, such as screenings and annual check-ups, that can help detect health problems early, when they are most treatable. Taking advantage of these coverage could quite literally save your life.

      6 Health Tips for Seniors as We Transition into Fall

      As summer winds down and the crisp air of fall approaches, many seniors find this seasonal transition to be a perfect time to refocus on their health.

      New for 2026: Medicare Part D Premium Stabilization

      Starting in 2026, Medicare Part D will undergo several changes designed to make costs more stable and predictable for beneficiaries.

      Sleep Issues in Older Adults: Causes and Daily Impact

      By addressing sleep issues, aging adults can enjoy more energy, sharper focus, and a greater sense of well-being throughout retirement.

      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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