What We Offer
Insurance solutions built around you — not a carrier quota.
Jon works with multiple carriers to find what actually fits your life, your doctors, and your budget. No pressure, no bias — and no cost to you.
Our Services
Everything you need. One trusted advisor.
Whether you’re turning 65, already on Medicare, or looking for coverage for your whole family — we’ve got you covered.
MOST POPULAR
Medicare Supplement (Medigap)
The gold standard for predictable costs
- Works alongside Original Medicare Parts A & B
- Covers copays, deductibles & coinsurance
- Use any doctor nationwide that accepts Medicare
- No network restrictions
- Jon shops multiple carriers for the best rate
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare
- Bundles hospital, medical, and drug coverage
- Many plans include dental, vision & hearing
- Often $0 or low monthly premium available
- Jon verifies your doctors are in-network
- Annual enrollment changes available each fall
Medicare Part D — Prescription Drugs
Standalone drug coverage for Supplement members
- Covers prescription medications at pharmacies
- Jon runs your specific drug list against formularies
- Finds the plan with the lowest out-of-pocket cost
- Available during Initial & Annual Enrollment
- Low Income Subsidy (Extra Help) assistance available
ACA Marketplace Plans
Health coverage for individuals & families under 65
- Coverage for those not yet Medicare-eligible
- Subsidies and tax credits available by income
- Compare plans across multiple carriers
- Open Enrollment: November 1 — January 15
- Special Enrollment Periods for qualifying events
Long-Term Care Planning
Protect your assets and your family’s future
- Covers nursing home, assisted living & home care
- Helps preserve retirement savings and assets
- Traditional LTC and hybrid life/LTC products
- Best planned early — lower premiums
- Coordinate with your financial advisor
Annual Plan Reviews
Your coverage should grow with you
- Free annual review of your existing coverage
- Check for plan changes or better options
- Drug formulary review every fall during AEP
- Available to all current and past clients
- No obligation — just making sure you fit
Why It Matters
We work for you — not an insurance company.
Captive Agent
Works for one company. Can only sell that company’s plans.
- Limited to one carrier's products
- May not have the best rate for you
- Incentivized to sell their company's plan
- If plans don't fit — you're out of luck
Jon Kelderman
Works for you. Shops multiple carriers to find your best fit.
- Access to multiple top-rated carriers
- Compares plans side-by-side for your situation
- No pressure — recommends what's best for you
- Ongoing support long after enrollment
Ready to find your perfect plan?
A free 30-minute call with Jon is all it takes. No pressure, no obligation — just honest answers.
Or call Jon directly: (515) 996-4699 | jon@keldermaninsurance.com