Your Local Insurance Advocates
We are a full-service agency providing members with insurance solutions, guidance and support.
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Dallas Cypher
Licensed Broker
Dallas moved to Arizona from Minnesota over 40 years ago, and has worked in customer service for over 35 of those years.
He loves golfing and bowling in his free time, and is even in the bowling hall of fame!
Rhonda Ferguson
Licensed Broker
Rhonda has been a licensed insurance broker for almost 10 years.
She is well-versed with the intricacies of the Medicare system and understands the health plans at a professional level.
Steven Smith
Licensed Broker
Steven has been working in the Financial Services and Insurance industries for over 25 years and assists clients with maximizing their retirement wealth objectives.
As a US Air Force Veteran, he is also proud to serve those who have served!
Cherina Root
Licensed Broker
Cherina is committed to helping members get the most from their coverage. Whether answering questions, providing guidance, or connecting members with helpful resources, she strives to make the process simple, clear, and stress-free.
Medicare & More
Medicare is a government-funded health insurance program designed to serve people over the age of 65 and younger individuals with disabilities, or End Stage Renal Disease.
Medicare helps with a portion of the costs associated with hospitalization, doctor visits, medical equipment, and prescription drugs. “Traditional Medicare”, as it is sometimes called, generally pays 80% of covered services. Medicare Beneficiaries (people who are entitled to, and enrolled in Medicare) are generally responsible for the remaining 20%.
There are options to help cover the Medicare beneficiary’s portion of Medicare-covered expenses (the 20% co-insurance as it’s often referred to).
Call us to speak to your insurance advocate and learn more about how Medicare Advantage, Medicare Supplements and Prescription Drug Plans can help reduce out of pocket expenses.
The A, B, C, D’s of Medicare
What are the different Parts of Medicare?
This is a very common question, and one that is extremely important.
There are 4 different parts to Medicare, and depending which parts you qualify for, you’re entitled to the coverage available through them.
So what does each part cover? We recommend speaking to one of our experienced Local Insurance Advocates for more in depth information—however, here’s a quick rundown: