Turning 65
Understand when to enroll, how Medicare works, and how to compare Medicare Advantage and Medigap without feeling rushed.
See your Medicare timeline →Insurance without the runaround
Medicare and health insurance, explained clearly.
Get personal guidance from an independent broker who compares options, explains the tradeoffs, and stays available after you enroll.
No-cost guidance
Multiple carriers
12+ years of experience
Start with your situation
Where can I help?
You don’t need to know which plan you want before we talk. Start with where you are, and I’ll help you understand the next step.
Already on Medicare
Review your current coverage, doctors, prescriptions, costs, and benefits before making a change.
Explore Medicare help →Health insurance before 65
Compare Marketplace and individual coverage when you’re self-employed, retiring early, or losing employer insurance.
Explore individual coverage →A simpler process
Advice built around your real life—not a sales quota.
I look at the details that actually affect you: your doctors, prescriptions, preferred hospitals, travel needs, budget, and tolerance for out-of-pocket costs.
1
Tell me what matters
We talk through your coverage, healthcare needs, and questions.
2
Compare your options
I explain the meaningful differences in plain language.
3
Enroll with confidence
You make the decision, and I remain your resource afterward.
“My job isn’t to push everyone toward the same plan. It’s to help you understand the options well enough to make a decision you feel good about.”
Paul Roncelli · Owner, Roncelli Insurance GroupLocal and personal
One broker. A real relationship.
Born and raised in Shelby Township, I’ve helped Michigan families navigate Medicare and individual health insurance since 2013. You can meet with me in Rochester Hills or schedule a phone consultation from wherever you are.
Let’s talkQuestions that can change the answer
Medicare decisions are rarely one-size-fits-all.
The right recommendation often depends on details that generic mailers and call centers never ask about.
Should I enroll in Part B now?
Employer size, current coverage, HSA contributions, and retirement timing can all affect the answer.
Can I keep COBRA instead of Medicare?
COBRA and Medicare have important coordination rules. It’s worth reviewing the timing before you elect coverage.
Medigap or Medicare Advantage?
We compare premiums, networks, travel, cost-sharing, prescriptions, and long-term flexibility—not just today’s health.
Common questions
What people usually want to know first
How are you paid?
You do not pay an additional fee for my insurance guidance. If you enroll in coverage through my agency, the insurance carrier may compensate the agency. Your plan premium is not reduced by enrolling directly with the carrier.
Do I need to be comfortable with technology?
No. We can handle the conversation by phone, and I can guide you through each step. Email is helpful for sharing plan information, but you do not need to be a technology expert.
Will you still help me after I enroll?
Yes. I remain available for questions about plan documents, billing, claims, provider searches, prescription issues, and future coverage reviews.
Do you review Medicare coverage every year?
Plan benefits and costs can change annually. I communicate important changes and help clients determine when a review is warranted, particularly around the fall Annual Election Period.
Why use an independent broker?
An independent broker can compare options from multiple insurance companies instead of representing only one carrier. The goal is to find coverage that fits your doctors, prescriptions, budget, and preferences.
More than enrollment
A broker should still be useful after your plan starts.
Choosing coverage is only the beginning. When something doesn’t look right, you should have a knowledgeable person to call.
Help understanding charges, plan documents, and the next call to make.
Guidance when a service or medication is denied and you need to understand your options.
Help reviewing formularies, restrictions, alternatives, and exception processes.
Assistance checking doctors, hospitals, pharmacies, and network participation.
Clear direction when benefits, premiums, or coverage options change.
The bigger financial picture
Your healthcare choice affects more than your insurance card.
Medicare coverage can influence monthly retirement expenses, exposure to unexpected medical costs, prescription spending, travel flexibility, and how predictable your household budget feels.
That’s why I compare both the immediate benefits and the longer-term tradeoffs instead of recommending a plan based only on its premium.
Explore Medicare resources
✓
Licensed guidance
State licensing, continuing education, and annual Medicare and carrier certifications support the advice you receive.
✓
Independent comparisons
Options can be reviewed across multiple carriers based on availability and your individual needs.
✓
Ongoing relationship
You keep a direct contact who already understands your history and priorities.
Prefer to browse first?
Shop plans online at your own pace.
These secure shopping links let you view available options yourself. If you want help interpreting what you find, I’m still only a call away.
Medicare
View Medicare plans
See Medicare plan options available in your area through my personal online shopping page.
Under 65 / Marketplace
View individual health plans
Estimate savings and compare Marketplace plans through my HealthSherpa enrollment page.
Shopping from another device?
Scan this code with your phone’s camera to open the Marketplace shopping page.
A simple place to start
Have a Medicare question? Ask Paul.
Send a quick question or request a callback. There’s no obligation, and you don’t need to know which plan you want before reaching out.
Prefer to talk now?
Call Paul directly at (586) 212-3595