Medicare Made Simple — With Guidance You Can Trust
Personalized help comparing Medicare Advantage, Supplement, and Prescription Drug plans in Illinois and in these states:
Arizona, California, Colorado, Florida, Georgia, Indiana, Michigan, Minnesota, Missouri, North Carolina, North Dakota, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin.
Medicare Advantage Disclaimer:
We do not offer every Medicare Advantage plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options, or your local State Health Insurance Program (SHIP) for information on all your options.
Who We Help
If you’re:
• Turning 65 and/or new to Medicare
• Already on Medicare but want to see if there are better options for you
• Helping a loved one understand their options
…We’re here to guide you through every step — so you can feel confident about your coverage choices.
We help you choose coverage that fits your health, lifestyle, and budget.
(No obligation. Your information is always private.)
How We Help
Personal Guidance
When we meet, we listen to what’s most important for your health and budget, and guide you through the options. Part of our time is spent on helping you get comfortable with how Medicare works so you better understand your choices and feel confident when you finalize your decision.
Plan Comparison
There are a lot of choices out there, and the differences can be hard to spot. We make it easy by showing you the key things side by side—like what your doctor visits and prescriptions will cost—so you can see clearly which option works best for you.
Local
Expertise
Wherever retirement takes you, we can help. We’re based in Illinois and know the local options inside and out, but we’re also licensed in many other states. Our resources help us provide personal guidance that fits your needs in all the states in which we are licensed.
Ongoing Support
Once you pick a plan, we don’t just disappear. We’re available when questions come up, when your needs change, or when it’s time to review your coverage each year. We are your go-to resource for Medicare help.
What You Can Expect When You Work With Us
Why Clients Work with Us
I’m Dave Flores, a licensed Medicare broker and the founder of the Retiree Health Benefits Group of Cotinuum Insurance Agency.
Medicare can be overwhelming for many people, but it doesn’t have to be that way, you just need someone in your corner who takes the time to listen and guide you.
After years in the insurance industry, I’ve seen many people that did not understand their options and ended up in plans that didn’t fit their needs simply because they didn’t have clear, unbiased advice from a knowledgeable, experienced professional.
Our mission in working with Medicare beneficiaries is to help people cut through the noise, understand their options, and make confident choices.
“Dave Flores, our agent was so helpful and knowledgeable to find the right Medicare plan for both myself and husband. He answered every question and researched all options for both of us. I felt a great relief dealing with him through this process and am thoroughly grateful for all his help. A very personable and kind person. Thank You, Thank You, Thank You.”
– Mary B., Waukegan, IL
“Working with David was a pleasure! I had never had to buy a personal healthcare policy before and had a lot of questions. David was very patient and walked me through everything step by step, presenting me with a number of options to consider. He made the process easy for me, and I’d certainly recommend him to anyone I know.”
– Martin S., Chicago, IL
Professional Affiliations
& Credentials
Dave Flores has years of experience in the health insurance industry and in helping retirees navigate Medicare
Resident Licensed Life & Health Insurance Broker in Illinois, and non-resident licensed in Arizona, California, Colorado, Florida, Georgia, Indiana, Michigan, Minnesota, Missouri, North Carolina, North Dakota, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin.
Board Member, Suburban Chicago Chapter of the National Association of Benefits and Insurance Professionals (NABIP)
Let’s Get Started
We’ll make sure you get the Medicare coverage that’s right for you.
(No obligation. Your information is always private.)