Confused by Medicare? You're not alone. I'm Howard, a licensed Medicare advisor who'll walk you through your options in plain English — Medicare Advantage, Medicare Supplement, and Part D — and help you choose the plan that actually fits your life. No pressure. No 1-800 mazes. Just real answers.
"You'll always speak directly with me — never a call center."
Medicare can feel like an alphabet soup. Let me break it down. There are three main types of Medicare coverage I help people enroll in — each has trade-offs, and the right one depends on your health, doctors, prescriptions, and budget.
Pairs with Original Medicare (Parts A & B) and helps cover out-of-pocket costs Medicare leaves behind — copays, coinsurance, deductibles. Higher monthly premium but very predictable.
An all-in-one alternative to Original Medicare. Often $0 monthly premium, includes prescription coverage, and adds extras like dental, vision, hearing, and gym memberships.
Standalone prescription drug coverage. If you have Original Medicare or a Medigap plan, you'll likely want a Part D plan to cover your medications. I'll help you find the cheapest plan based on the exact drugs you take.
Already enrolled and wondering if you have the right plan? Let me run a free annual review during the Annual Enrollment Period (October 15 – December 7). You may be able to save money or get better coverage without changing doctors.
Your Initial Enrollment Period (IEP) is a 7-month window — 3 months before your 65th birthday, the month of, and 3 months after. Mistakes during this window can cost you for life — including permanent late enrollment penalties.
Most people approaching 65 get bombarded with mailers and calls. I'll cut through the noise, walk you through your specific situation, and help you avoid the common (expensive) mistakes.
Call now: 636-497-2680No high pressure, no confusing forms, no calls from random numbers afterwards. Just a friendly conversation and clear options.
Call 636-497-2680 or fill out the short form. We'll set up a friendly call at a time that works for you.
I'll review your doctors, medications, and budget — then walk you through the plans that actually fit. No fancy jargon.
Once you choose, I take care of the paperwork. Then I'm your point of contact for the life of the plan — claims, questions, anything.
Choosing the right Medicare plan shouldn't feel like a high-pressure sales call.
I started doing Medicare because I watched my own family members get pushed into the wrong plans by agents who didn't take the time to listen. That's not how I work. I sit down with you (in person, on the phone, or by video — your choice), I learn about your doctors, your medications, your budget, and your priorities — and then I show you the options that actually make sense.
I'm independent — I represent multiple top carriers, not just one — so my advice isn't biased by who's paying me the most. I'm paid the same regardless of which plan you choose, so my only goal is finding what's right for you.
If you're ever unhappy with your plan, call me. I'll personally help you switch — at no cost — during the next eligible enrollment period.
Pick whichever feels easier — call me directly, or send a quick message and I'll reach out.
Calling is honestly the fastest way to get answers. You'll reach me directly — not a call center, not voicemail jail.
Tell me a little about your situation and I'll call you back at your preferred time.
I'll personally call you within one business day. If it's urgent, feel free to call me directly at 636-497-2680.
Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation for insurance.
We do not offer every plan available in your area. Currently we represent multiple organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Calling the number on this site will direct you to a licensed insurance agent. Plans are insured or covered by Medicare Advantage organizations and Part D sponsors with Medicare contracts. Enrollment in any plan depends on contract renewal.
Howard VanBooven is a licensed insurance agent. Plan availability and benefits vary by location and may change. For complete details on benefits, exclusions, conditions, and limitations, please contact us or refer to the official plan documents.