Independent Medicare and Health Insurance Broker Serving Phoenix, AZ

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Phoenix is one of the fastest-growing cities in the country, and it's home to one of the most complex insurance markets in Arizona. Whether you're turning 65, shopping for an ACA plan, or trying to make sense of your Medicare options in Maricopa County, we're here to help you find coverage that actually fits—without the pressure or the sales pitch.

Why Phoenix Residents Work with an Independent Broker

When you work with an independent Medicare broker in Phoenix, Arizona, you're not locked into one carrier's lineup. We're appointed with multiple insurance companies, which means we can compare plans side by side and give you an honest picture of what's available in your area.

 

Kimber Hamilton has been a licensed insurance producer since 2009. She holds the CMIP® (Certified Medicare Insurance Planner) designation, carries an A+ rating from the Better Business Bureau, and is a member of NABIP. Her approach is straightforward: find the plan that fits your situation, not the one that looks best on a commission sheet.

 

What that looks like in practice:

 

  • We compare plans across multiple carriers, not just one
  • We explain your options in plain language, without the jargon
  • We don't recommend a change when your current coverage is already working
  • All meetings are conducted virtually by Zoom—no commute required
  • We're available by phone, text, email, or online scheduler

Medicare Plans Available in Maricopa County

Maricopa County is one of the most competitive Medicare markets in the state. That's good news for beneficiaries—more carriers means more options. It also means the comparison process can feel overwhelming without someone to walk you through it.

 

We help Phoenix-area residents evaluate every major Medicare path, from Medicare Advantage plans with built-in extras to Medigap policies that travel with you anywhere in the country.

Medicare Coverage Options We Help You Compare

Medicare Advantage plans (Part C) are offered by private insurers approved by Medicare. Many plans available in Maricopa County include prescription drug coverage, dental, vision, and hearing benefits bundled into a single plan. Premiums can be low—sometimes $0—but your costs depend on the network and the plan structure. We help you look past the premium and understand what you'd actually pay when you use the plan.

Medicare Advantage in Phoenix

Medicare Advantage plans (Part C) are offered by private insurers approved by Medicare. Many plans available in Maricopa County include prescription drug coverage, dental, vision, and hearing benefits bundled into a single plan. Premiums can be low—sometimes $0—but your costs depend on the network and the plan structure. We help you look past the premium and understand what you'd actually pay when you use the plan.

Medicare Supplement (Medigap) Plans

A Medicare Supplement plan works alongside Original Medicare to cover costs that Medicare leaves behind—things like copays, coinsurance, and deductibles. Medigap plans are standardized by letter, so a Plan G from one carrier covers the same benefits as a Plan G from another. The difference is price and the company behind it. We compare rates across carriers so you're not overpaying for the same coverage.

Health Insurance for Phoenix Residents Under 65

Medicare isn't the only coverage we help with. If you're self-employed, between jobs, or simply shopping outside of an employer plan, we can help you find individual and family health coverage that fits your budget and your situation.

ACA Marketplace Plans

The Affordable Care Act Marketplace opens each fall for the annual enrollment period. Depending on your household income, you may qualify for premium tax credits that significantly reduce your monthly cost. We help Phoenix residents understand what they qualify for, compare plan tiers, and enroll—without the confusion that comes with doing it alone.

Short-Term Health Insurance

Short-term medical plans can fill a gap between jobs, after aging off a parent's plan, or while you're waiting for other coverage to begin. These plans aren't ACA-compliant and don't cover pre-existing conditions, so they're not right for everyone. We'll be upfront about the limitations and help you decide if a short-term plan makes sense for your situation.

Self-Employed Health Insurance

Running your own business in Phoenix means your health coverage is entirely up to you. We help self-employed individuals and small business owners find plans that work—including HSA-qualified options that let you set aside pre-tax dollars for medical expenses.

Life Insurance and Supplemental Coverage

Beyond health and Medicare, we also help Phoenix residents plan for the unexpected. We offer term life, universal life, and final expense insurance, along with supplemental coverage like cancer, accident, and hospital indemnity plans. These policies are designed to fill the gaps that major medical leaves open.

Common Questions from Phoenix Residents

  • What's the difference between a Medicare broker and a Medicare agent?

    A Medicare agent typically represents one carrier. A Medicare broker, like Hamilton Advisors, is appointed with multiple carriers and can compare plans across companies to find what fits your situation. You pay nothing extra for working with a broker—carriers compensate us directly.

  • Which Medicare Advantage plans are available in Maricopa County?

    Maricopa County has one of the broadest Medicare Advantage markets in Arizona, with plans from carriers including Aetna, UnitedHealthcare, Humana, and Cigna, among others. The plans available to you depend on your zip code, your medications, and your preferred providers. We compare your options across all available plans before making any recommendation.

  • Can I get help with Medicare if I'm not yet 65?

    Yes. If you're under 65 and qualify for Medicare due to a disability or a qualifying condition, we can help you understand your options. Medicare eligibility rules for people under 65 differ from standard enrollment, and we'll walk you through what applies to your situation.

  • Do I have to come into an office to meet with you?

    No office visit is needed. All of our consultations are conducted by Zoom, so you can meet with us from home at a time that works for you. If you prefer to start with a phone call or a quick question by text, that works too.

  • Is there a cost to working with Hamilton Advisors?

    There is no cost to you for our services. We are compensated by the insurance carriers when you enroll in a plan. Our recommendations are based on what fits your needs—not on which carrier pays more.