Health Insurance

KSO Insurance Solutions offers a unique and affordable Consultation Service for retired and pre-retired individuals. Karen Sweet-O'Neill specializes in one-on-one Medicare and Retirement Health Insurance reviews, providing valuable insight and knowledge regarding this often confusing subject. She is authorized to offer Medicare Supplement plans, Medicare Advantage plans and Medicare Part D Prescription Drug plans and has completed her 2025 certifications.

• Understanding the requirements for Medicare Part A and Part B
• Determining your Medicare Part B costs
• Eligibility Requirements to Avoid Penalty Periods
• Schedule an appointment 2 to 3 months prior to your 65th birthday

• Assessing your timeline and cost for Medicare
• Understanding how COBRA affects Medicare-eligibility
• Comparing "Retiree" vs. "Private" health insurance options

• Schedule an appointment during your annual Medicare Open Enrollment period (October 15 to December 7)
• Discuss changes to your Medicare Part D Prescription Drug coverage
• Discuss changes to your Medicare Advantage plan or Medicare Supplement plan

• Comparison of Medicare Advantage Plans vs. Traditional Medicare and Medigap Plans
• Medicare Part D Prescription Drug Coverage Options
• Analysis of Employer Health Insurance Options
• Income-Based Cost Saving Programs (such as EPIC and VA)
• Group Seminars Available

Call KSO Insurance Solutions to schedule your "Health Insurance Check-Up" today!