https://bridlewoodinsurance.com/agent/kim-schwenke-cram
Kim has her Paralegal Associates Degree. She has also owned her own insurance agency, American Family Ins Agency, and has been a licensed insurance agent for over 20 years. Prior to insurance, she was a Mortgage Loan Officer and a Title Insurance Agent. Kim and her husband, Roger, started with Bridlewood Insurance in 2019. They chose to work with Bridlewood based on the way that the owners, Jeff and Kim Wetzel, aligned with their goals, both personally and professionally. We were very impressed with their support of us and their progressive advertising/marketing ideas and options.

Kim says she loves educating the Senior population and truly helping them navigate the very complicated Medicare and Medicare Supplement process. She likes being the person they know they can call and get a return phone call and their questions answered. Also knowing that most Seniors live on a fixed budget, she enjoys being able to offer products that can save them money, provide additional areas of coverage and allow for more disposable income on a monthly basis.

Kim was born and raised in Southeast Nebraska in a town of 79 people. Her entire family still lives there, while she lives in Madison, SD (just north of Sioux Falls approximately 45 miles) on Lake Madison. I have lived in South Dakota for over 25 years, with her husband Roger, who is also a Medicare Agent. Yes, they do work together and spend 24/7 with each other. Believe it or not they have worked together for about 11 years, and have been married for 9 years. Kim has 1 son that is going to school in Hamilton, Alabama and is studying to become a Minister and is also in the Army National Guard as a Military Policeman. She enjoys scrapbooking, gardening, yoga, zumba, her “Active & Ageless” exercise classes, walking, boating, jet skiing, entertaining friends & family at the lake, and 4-wheeler riding in the Blackhills of South Dakota.

Verified Reviews for Kim Schwenke Cram:
Kim and Roger helped us when another agent didn't show up. They are very helpful and came right to our home.

Harvey & Joyce Pederson - January 19, 2021
Kim gave me a much more affordable plan than what I was on.

David Smith - January 19, 2021
Even though they were not able to get me on a program Roger & Kim spent time with me explaining what was necessary to get coverage. That was very nice of them.

Paul Anderson - November 10, 2020
Roger & Kim stayed with me until I understood what I had for coverage. I appreciated the help.

Geraldine L. - November 10, 2020
Kim and Roger made sure I had the right plan by asking lots of questions. I trust them.

Tom Corcoran - November 2, 2020
Kim has always been so nice to work with. I enjoy being a client.

Linda Burkman - November 2, 2020
Kim and Roger were awesome. They even helped my friend.

Christina Goldie Brown - November 2, 2020
Kim and Roger made sure I had the right plan by asking lots of questions. I trust them.
5
Tom Corcoran - November 2, 2020
Kim has always been so nice to work with. I enjoy being a client.

Linda Burkman - November 2, 2020
Kim and Roger were awesome. They even helped my friend.

Christina Goldie Brown - November 2, 2020
I went with Kim because she was so nice and took her time helping me understand the process.

Lou B. - November 2, 2020
Fabulous service from an extremely knowledgeable and professional woman! That would be you Kim. Thank you so much. We hold you in our highest regard!

Phyllis Miller - June 20, 2020

https://bridlewoodinsurance.com/agent/roger-cram/
Roger Cram. Bridlewood Marketing Agent

https://peggytoft.bridlewoodinsurance.com/

As part of Bridlewood Midwest Insurance, Peggy Toft prides herself on offering having the most knowledgeable information about Medicare for her clients. Peggy follows 2 rules - ALWAYS do what is best for the client, EVERY TIME, and 2. ALWAYS follow Rule #1.

Peggy can walk you through what Medicare is, the different parts of Medicare, Medicare Advantage programs, and what your options are for supplemental insurance to take care of costs that Medicare doesn't cover. By going through the items that are important to you - who are your doctors, do you have specific health concerns you are dealing with, what prescription medications you are taking, do you travel or live in different areas of the state or country, etc.

As a Bridlewood agent, Peggy can help educate you on all the various plans that are available so that you can confidently make the choice of the most appropriate plan to meet your needs and budget. And because the agents are compensated by the insurance company, her services are offered at no cost to you.

Why struggle with trying to weave your way through the complicated Medicare maze, when you could work with a Bridlewood Agent and have an agent for life. When you sign up for a plan with one of our agents, that is just the beginning of your relationship. You can count on your agent to keep in touch with you, assist with customer service issues and billing questions, get information on other services you may need, and much more.
Let Peggy Toft help you on your Medicare journey!

https://www.bridlewoodinsurance.com​
Bridlewood Midwest is an insurance agency that specializes in Medicare. We have agents licensed in Iowa, Minnesota, North Dakota, South Dakota, Nebraska, Washington, Oregon, Nevada, Kansas, Mississippi and Alabama. Our products include Medicare Advantage, Medicare Special Needs Plans, Medicare Supplement, Prescription Drug Plans and other Medicare focused products.
Larry Roberts attended West Marshall High School and graduated from Waldorf College. Larry had an extensive sales background before becoming a Medicare agent. What surprised him most about Medicare sales, is that he really isn’t selling anything, he is helping seniors solve a problem – making sure they had the best health care coverage for their particular needs. Larry specializes in Medicare Advantage and Low Income Subsidy plans. He joined Bridlewood Insurance because he wanted to be able to offer all the different carrier’s products to his clients, so that they truly have the most appropriate plan.
Larry enjoys meeting new people and being able to educate and guide them through the Medicare process. He is also the Regional Director of Sales for Iowa, Minnesota, Wisconsin and Nebraska, and manages a terrific team of agents.
Larry is from State Center and currently resides in Ankeny, IA. He has been married for 15 years to his beautiful wife, Deb, and has 4 children and 4 grandchildren. Larry has been involved in coaching for over 20 years and has enjoyed playing 16″ recreational softball for close to 40 years, but as of right now he is trying to spend as much as time as he can with his grandkids and has started to golf a lot more. He enjoys golf and the fact that his body seems to recover quicker from golfing than softball!

https://bridlewoodinsurance.com/agent/zeb-christensen/
Bridlewood Medicare Agent Zeb Chistensen lives in Ankeny Iowa. He graduated from Dana College in Blair, NE with a Bachelor’s degree in Physical Education. He has been working with Medicare for 3 years, and has assisted many seniors with their Medicare options. He joined Bridlewood because of their reputation for educating and taking care of their clients and agents. Zeb loves the vision and drive that the team of agents he works with, has. He loves working with people and enjoys helping seniors learn about Medicare and choosing the right plan based on their health and prescription needs.Bridlewood Insurance is contracted with: MAPD Plans: Aetna Alignment AlwelI / Centene Amerigroup Anthem Blue Cross Aspire Health Plan Blue Cross Blue Shield TX,IL,MT,NM,OK,IN Blue Shield of CA B.S. CA Promise Brand New Day Bright Health CareMore Health Plan Central HealthMAPD Plans: Clear Spring Health Clover Golden State Humana Inter Valley Health Plan Molina Mutual of Omaha Scan UnitedHealthcare Vitality Health Plan WellcareMed Sups: Amerigroup Anthem Blue Cross Blue Shield of CA Cigna Health Plan Combined Insurance Continental Life Family Life Humana Mutual of Omaha TransAmerica United Amerian United HealthcarePDP Plans: Anthem BlueCross Blue Shield of CA Envision RXPlus Humana Mutual of Omaha Silverscripts Unitedhealthcare WellcareJoin Bridlewood Insurance. You'll love the results - guaranteed! Zeb ChristensenWaukee, IAIowa Insurance License #18594518​+1 (402) 651-8857Bridlewood Insurance Services, Inc. 13520 Evening Creek Dr N Ste 100, San Diego, CA 92128Produced by Wolfe Media Inc.https://wolfemedia.com PO Box 20298Bradenton, FL 34204858-722-8505

https://joinbridlewood.com
Discover the reasons to join Bridlewood! Bridlewood Insurance is a Medicare-focused FMO based in San Diego, yet we are licensed in all 50 states and contracted with over 40 insurance carriers.
With hundreds of agents from Maui to New York, Bridlewood can handle all of your customer needs, no matter where they live.
2. Bridlewood Boot Camp Training:Bridlewood provides a step by step, detailed, personalized training program on how to build a Medicare book of business. Upon completion of the Comprehensive 12 Module Proprietary Training Program, you will have a firm foundation on which to build a robust Medicare book of business.
Whether you’re new to the business or a seasoned veteran, Bridlewood Bootcamp will be invaluable for you.
3. Medicare LeadsThere are a variety of lead programs we can design to fit your needs and to get the most consistent returns. Maybe you want to focus on those turning 65, or maybe you want to work with the low income. Whatever niche you choose to build your book of business, Bridlewood has the program to help.4. Dollar Matching Program - Allows you the flexibility to spend matching co-marketing dollars you earn where you need it most. Our programs allow for up to $2,000 per year in matching marketing dollars, which not only allows you to stretch your marketing dollars even further, but by working with Bridlewood, you have a true partner to help build your Medicare book of business that much faster.5. Agent CommissionsDid you know that agents keep more money in their pocket working with Bridlewood? First, agents keep 100% of their commissions. We don’t play games like other FMO’s do, by assigning commissions, or charging marketing fees. Here at Bridlewood we invest in our agents. We will partner with you on co-marketing dollars that could add an additional $2,000 to your bottom line. Lastly, we have some of the most talented and experienced Medicare agents that can help guide and mentor you on how to market your Medicare business.
6. Personalized Monthly Newsletter - Have you ever wanted to publish a monthly newsletter to your customers and prospects, but just didn’t know where to start? Bridlewood solves this problem by doing 90% of the work each month. Your customer retention, and the additional referrals you will receive from your personalized newsletter, will easily add thousands of dollars each year in new business. Bridlewood streamlines the process by printing, folding and mailing your customized newsletter each and every month, to your customers delight.
7. Contracting With Additional Carriers​Bridlewood provides online contracting that allows you to choose which carriers you want to contract with. Our dedicated contracting staff will follow your contract from submission to carrier approval, and can even complete the process sometimes within 48 hours.
Bridlewood is contracted with:
MAPD Plans: Aetna Alignment AlwelI / Centene Amerigroup Anthem Blue Cross Aspire Health Plan Blue Cross Blue Shield TX,IL,MT,NM,OK,IN Blue Shield of CA B.S. CA Promise Brand New Day Bright Health CareMore Health Plan Central HealthMAPD Plans: Clear Spring Health Clover Golden State Humana Inter Valley Health Plan Molina Mutual of Omaha Scan UnitedHealthcare Vitality Health Plan WellcareMed Sups: Amerigroup Anthem Blue Cross Blue Shield of CA Cigna Health Plan Combined Insurance Continental Life Family Life Humana Mutual of Omaha TransAmerica United Amerian United HealthcarePDP Plans: Anthem BlueCross Blue Shield of CA Envision RXPlus Humana Mutual of Omaha Silverscripts Unitedhealthcare WellcareJoin Bridlewood Insurance. You'll love the results - guaranteed!
Produced by Wolfe Media Inc.
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PO Box 20298
Bradenton, FL 34204
858-722-8505

https://www.bridlewoodinsurance.com
For the last 7 years, UnitedHealthcare has really not brought anything new to San Diego County, but this year they brought a new plan out called the Walgreens plan. Many of you have had this UnitedHealthcare Sharp plan and if you've gone to your Arch doctors, your Sharp Rees-Stealy doctors, your Sharp Graybill. Well that all comes under this UnitedHealthcare Sharp plan. Well, there's something new that competes this year with it. Really what happened was UnitedHealthcare wanted to come out with a, what they call a zero zero plan. Zero copay to see your primary, zero copay to see your specialist. But actually Medicare would penalize UnitedHealthcare for doing it to the existing plan. But if you created a whole new plan and made the changes there, it's perfectly fine. I think what Medicare is trying to do is give the consumer more options, more choices and ultimately what they ended up doing is making more confusion. So today we're going to kind of walk through it and kind of take some of the sting out of, you know what's the difference between the two plans. Let's go ahead and we'll take a look at it. So, first of all, I want you to reach in your wallet and pull out your UnitedHealthcare card. And just so we're making sure that we're comparing the same plan. So that card should say Sharp in big letters in the top right-hand corner. So if that's the card you have that's the plan you currently have. This is one that I want you to compare against that I think will be a good one for 2021. All right, so both these plans both the Sharp and Walgreens plans ... They're the same name, the same company just one is Sharp, one is Walgreens. And the other part of it is they're both zero premium plans. Which means that there's nothing monthly to have these particular plans to show to your doctor. So think of this insurance, think of this insurance as “pay as you go” insurance. So it really doesn't cost you anything monthly. It's just, when you go to the doctor, you pay as you go. So currently you've been $5 to see your primary doctor and $35 to see a specialist. Well, on the new Walgreens plan copays a little bit different. One of the things I wanted to point out before we get into that is the maximum out of pocket. So what that means is it's not a deductible it's a maximum out-of-pocket. What that means is every time you go to the doctor, you pay a $5 copay, $35 to specialist. You spend a night in the hospital, you pay so much copays. If all of those copays, every time you reach in your pocket reach a certain dollar amount - you don't pay any more copays the rest of the year. So it's, it's a dollar limit of protecting your risk. And so if you go ahead and take a look at it on this particular plan. So the Sharp plan you currently have, it's $3,400 where the Walgreen's plan has a $2,900 max out-of-pocket. So it actually decreases your risk by $500 a month. That's kind of a nice feature to have.
Second thing we want to take a look at is your max out-of-pocket obviously is the better, better plan here but we also want to take a look at primary care visits. So as you can see, the Walgreens plan has a zero copay to see your primary doctor versus a $5 to see the specialist. And also it has a $35 to see your specialist now where the Walgreens plan is zero. So that's what I'm saying it's called the zero zero plan. So zero monthly, zero to see your primary, zero to see a specialist. So yeah, you can't get much better than zero. So between those - between the max out-of-pocket, zero monthly, zero to see your primary, zero to see a specialist. And again, all the same Arch doctors, same Graybill doctor same Sharp Rees-Stealy doctors. They're all the exactly the same network. All right. So it's kind of a nice feature to have. So moving on, let's go ahead and take a look at it. So virtual visits. So they've, they've got into that. So now you can take your cell phone, you know and you can call your doctor and say, doc, the you know, I feel like I have the flu and the doc can order the medicine for you and you don't have to get out of bed. You have somebody down to go get your medicine for you. It's virtual visits they have now. So moving on from there, we can see that inpatient hospitalizations exactly the same - $260 copays for day one through seven. And so in that particular regard day eight, nine, 10, 11 is all zero after that. So if you do the numbers, it works out to around $1,800. So your worst case for you had a terrible car accident you went to the hospital and you spent 30 days in the hospital. You're gonna get charged for the first seven and then everything after that is free. So it works out to be about $1,800, right?

Bridlewood Insurance
13520 Evening Creek Dr N Suite 100,
San Diego, CA 92128
Phone: (858) 753-7000

https://www.medicalartsinsurances.com
Mark and Gloria Wandel, owners of Medical Arts Insurance are certified and trained insurance brokers, knowledgeable about Medicare. They have been helping hundreds of Californians find affordable insurance with their needs in mind. They take the time to talk with you and determine what you need, then shop the major carriers to find the right plan that fits your needs and your budget. They will do all the research and then take the time to explain your options; allowing you to make the best and most informed decision possible.
Call Gloria Wandel or Mark Wandel today to schedule an appointment and let them save you time and money.If you are 65 or turning 65 soon, or know someone who is, be sure to contact them for their help and guidance. There is no cost to use their services.
They will answer all of your questions and help you find a plan that best suits your needs and budget. They can discuss Medicare Advantage, Prescription Drug Plans and Medicare Supplement Insurance plans as well as dental and vision plans; and there is never a cost to use their services.
Many people know Mark and Gloria as the Owners of Medical Arts Pharmacy & Medical Supplies for over 32 years and co-owners of Fox Farm Professional Plaza Medical Center for over 17 years.
Mark Wandel is a Pharmacist and has lived in beautiful Big Bear Lake since 1978 and Gloria since 1994. Both Mark and Gloria are passionate about their community and the Medicare client they serve all over California..

https://medicalartsphcy.bridlewood.in/
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Bridlewood Insurance Services, Inc.
13520 Evening Creek Dr N Ste 100, San Diego, CA 92128

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4112 53rd Ave E #20298, Bradenton, FL 34203
858-722-8505
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Lauren Smith is the owner of Lauren Smith Insurance Services, Inc, and has partnered with Bridlewood Insurance Services in 2017.
She has extensive training and has worked in the insurance industry for over 20 years. Lauren’s hard work and dedication to her craft have made her a top producer in her field. Her success has come from her attention to detail with each client she works with. Lauren represents a variety of top-rated local and national carriers. She believes not one plan is right for everyone, and takes the time to find out each client’s needs and guide them to the best plan for them.
Lauren originally comes from Upstate New York, but currently lives in Normal Heights, with her office in Sabre Springs. She enjoys traveling, walking on the beach, and spending time with her friends. Lauren looks forward to having the opportunity to work with you and building a long-lasting relationship.