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Meet Your Advisor

Insurance Planning

Gene Stramel

New to Medicare and
Unsure How To Proceed?

You Are Not Alone

It’s easy to feel overwhelmed when it’s time for Medicare. Between the plans, parts, and letters, it’s easy to get confused; there’s just so much to know! 

That’s why our knowledgeable staff of local, licensed insurance agents are ready to lend you their expertise. Together we can review your options and find the coverage that best fits your needs. 

Are You Aging Into Medicare Soon?

Have a licensed insurance agent on your side.

Medicare Coverage

The Nuts and Bolts Of Coverage and Cost


Part A Hospital Insurance


  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care


Part B Medical Insurance


  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
  • Many preventive services (like screenings, shots or vaccines, and annual “Wellness” visits)


Also known as Medicare Advantage, Medicare Part C is an alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.

Plans may have lower out-of-pocket costs than Original Medicare, and in many cases you’ll have to use doctors that are in the plan’s network. Most plans offer extra benefits that Original Medicare doesn’t cover, like vision, hearing, dental, and more. Learn about Medicare Advantage.


Also known as Prescription Drug Coverage, Medicare Part D helps cover the cost of prescription drugs, including many recommended shots or vaccines. Plans that offer Medicare Drug coverage are run by private insurance companies that follow rules set by Medicare.

Insurance Planning

Supplemental Plans Cover The Gaps

Contact a licensed insurance agent to
find the best plan for you.

Medicare Supplements

Coverage To Fill The Gap

Original Medicare covers many health expenses, but by no means does it cover everything. Medicare Supplemental policies exist to provide for the gaps left in your coverage. These “Medigap” policies allow you to have coverage where the gaps in Original Medicare leave off.


Don’t worry, Medicare Supplements are standardized by the government across state lines. Feel safe choosing your policy knowing it will be the same in every state, and for every carrier.

You Worked Hard For Your Retirement

Our licensed insurance agents can help you navigate your insurance needs.


In nearly every circumstance, you can breathe easy knowing that you won’t have to fill out any paperwork. Your provider will be dealing with Medicare and your Medicare Supplements directly.


Your Medicare Supplemental policy won’t be restricted by your provider network. You can go to any doctor that accepts Medicare with confidence.


Carriers cannot drop you from your plan, as long as you pay your premium on time. You’ll remain covered.

Medicare Advantage &
Other Options

Alternative Plan Options


When it’s time to enroll into Medicare, you have many options. Medicare Advantage is one such option, and while it may not be for everyone, it could be the perfect fit for you. It might be easiest to think of Medicare Advantage as “fee-for-service” insurance.


  • An alternative to Original Medicare
  • Includes Part A, Part B, and usually Part D
  • Plans may have lower out-of-pocket costs than Original Medicare
  • In many cases, you’ll have to use doctors that are in the plan’s network
  • Most plans offer extra benefits that Original Medicare doesn’t cover, like vision, hearing, dental, and more


  • Medicare Advantage covers all Medicare Part A and Part B services.
  • Plans often include Medicare Part D prescription drug coverage
  • Premiums, copays, and deductibles vary by plan, region, and annually
  • Provides a yearly limit on out-of-pocket costs for medical services
Insurance Planning

We’ve covered the important topics.

Contact a licensed insurance agent to
find the best plan for you.

Medicare FAQS

Answers at your fingertips

Click the questions to view the answer.
If you have additional questions, please contact us. We're here to help!
  • Many factors come into answering this question, but where you live, whether you travel, and the kind of care you currently need, weigh heavily in the ultimate outcome. Working with a professional who knows what’s available in your area can help you determine which is better for your particular circumstances. You’ll want to take advantage of such a resource when making this decision.

Insurance Planning

Schedule an Appointment

Contact an Insurance Professional to
find the best plan for you.

Life Insurance

Protect What’s Important

No one wants to think about life insurance. It’s only natural, there’s enough on your plate without having to consider the absolute worst, but if you have someone who depends on you financially, putting the conversation off isn’t an option. Life insurance could be their lifeline in the event of a tragedy.

Often, when people think about life insurance, they assume that the only reason to get coverage is being protected from the unexpected, but life insurance can also help plan for other issues.

Extended Care Needs

Living, but needing help, can become very exhausting and expensive for the family. There are life insurance policies that can accelerate benefits and help pay for long term care services.

Pay Funeral Expenses

Since the 80’s, funeral expenses have been on the rise. Today they can easily cost upwards of $9000. Even a small life insurance policy can pay for your funeral costs so that they aren’t a burden on your loved ones.

Resolve Outstanding Debts

The passing of a loved one is one of the most trying times a person can experience, and if there are major debts to pay off, this time could also be catastrophic. Help your loved ones pay the mortgage, car loans, credit card balances, and other debts by purchasing life insurance to cover outstanding expenses.

Supplement Income

If you have a spouse or dependent who would struggle financially without your income, then you should have a life insurance policy. Supplement your loved one’s income, so that they’re financially secure even if you’re no longer around.


Would you rather leave your money to the bank or government, or protect it for your children, grandchildren, or a charity? A life insurance policy can guarantee your legacy is exactly as you’d like it and your family and loved ones are financially secure without you.

Insurance Planning

Ready to protect your
family’s financial future?

Have a licensed insurance agent on your side.

Long Term Care

Thinking Ahead

What is long term care (ltc) insurance

Are you looking for an insurance designed to pay for expenses you’ll incur if you are unable to care for yourself and need support? You should be concerned because no other insurance, including Medicare, pays for this kind of care and an unfunded Long-Term care event can ruin even the most carefully constructed financial plan. Learn more about Long Term Care insurance and why you may need it.

70% of People Over 65 will need Long Term Care*

If you’ve had a loved one who needed professional care, either from a nursing facility, assisted living center, or at home, then you may know how devastating the expenses can be. Consider these numbers:

  • Over the last 20 years, the cost of Long Term Care has doubled
  • After you turn 65, you have a 70% chance of requiring Long Term Care
  • A 1 year stay in a facility costs $71,512 on average
  • The average stay in a facility is 3 years
  • Medicare, in total, pays only about 10% of Long Term Care costs

*Source: ASPE Research Brief Revised Feb 2016

Medicare Pays For Only
About 10% Of LTC Costs

About Us

Feel assured with a Licensed insurance agent by your side

We know finding a Medicare insurance plan can be confusing, that’s where we come in. IPIFS is a team of licensed insurance agents whose primary purpose is to help our consumers find the most appropriate insurance plan for their needs. We will show you the available plan options in your area and are we are dedicated to presenting plan information clearly and accurately.

Our Approach

The best approach in understanding how to choose an insurance plan is by working with an licensed insurance agent. This is why we are here and available to help with any questions you may have during your search.

Our Mission

To provide our customers with an easy and effective way to compare Medicare insurance plans such as Medicare Advantage, Medicare Supplements, and Part D plans. We strive to make the process of finding and comparing plans as easy as possible.

Our Commitment

Our commitment is to ensure that you have a hassle-free journey while looking for the right Medicare insurance plan.

Contact a Licensed Insurance Agent Today!

We’re here and ready to help

PHONE: 785-625-5605
HOURS: Monday – Friday 8am to 5pm CST, Saturday appointment only

* By contacting us you are giving us permission to follow up with you by phone or email.

Contact a Licensed Insurance Agent Today!




MEDICARE: We do not offer every plan available in your area. Currently we represent 6 organizations which offer 35 products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.. TTY Access: 711

For a complete list of available plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult Please note that each insurer has sole financial responsibility for its products. Not connected with or endorsed by the U.S Government or the federal Medicare program. This is a solicitation of insurance A licensed insurance agent/producer may contact you.

IPIFS represents Medicare Advantage [HMO, PPO and PFFS] organizations [and stand-alone PDP prescription drug plans] that have a Medicare contract. Enrollment depends on the plan’s contract renewal.