My Doctor Says I Have Pre-Diabetes. What Does That Mean?
If you’ve been diagnosed with pre-diabetes, take it seriously but do not panic. With the right approach, many seniors successfully manage their blood sugar and avoid progressing to diabetes.
Hart & Associates Insurance
Your Guide to
Medicare Options
Information, Plan options,
and No-Cost Enrollment Assistance
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- To speak with a licensed agent, call (586) 531-0501
Medicare Resources:
What You Need to Know
From Dollars to “Donuts”…
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We shop multiple carriers, help you to understand your options,
and find you the best plans and lowest premiums.
Frequently Asked Questions
How do I apply for Medicare?
How do I apply for a Medicare Advantage or Supplement Plan?
Can I apply for Medicare in person?
Can I get assistance applying for Medicare?
When should I apply for Medicare?
What if I missed my Initial Enrollment Period?
Are there penalties for enrolling late?
When do I get my Medicare card?
Testimonials
Here’s what our clients say about our service…
Bob Hart helped me when I didn’t know I needed it! I thought I was happy with my Medicare plan including the monthly cost. A friend recommended that I should see what else might be available. Bob reviewed my plan and compared it to a couple others that might better suit my needs and at no cost. I switched plans and couldn’t be…
Kimberly C.
Oak Park, MI
Bob Hart helped me when I didn’t know I needed it! I thought I was happy with my Medicare plan including the monthly cost. A friend recommended that I should see what else might be available. Bob reviewed my plan and compared it to a couple others that might better suit my needs and at no cost. I switched plans and couldn’t be happier!!!
Kimberly C.
Oak Park, MI
Bob helped me so much with improving my coverage and finding the plan that worked best for my needs. He took time to look up all of my Drs and prescriptions and make sure I was covered in every way. I have used my plan and put it to the test!! Two surgeries this year and many tests and I have no complaints!! I recommend Bob to all my…
Jaclyn N.
Romeo, MI
Bob helped me so much with improving my coverage and finding the plan that worked best for my needs. He took time to look up all of my Drs and prescriptions and make sure I was covered in every way. I have used my plan and put it to the test!! Two surgeries this year and many tests and I have no complaints!! I recommend Bob to all my friends!! He is great to work with!!
Jaclyn N.
Romeo, MI
Thank you for helping me select the best Medicare and prescription plan to fit my medical needs. You have made a daunting process so much easier. Also, I appreciate you always being available to answer any questions or concerns I may have. I will recommend you to all my friends and family.
Dave B.
Sterling Heights, MI
Thank You for making the task of choosing the Medicare options clearer and less complicated for my husband and I. The enrollment process through you and your company alleviated much stress.
I will pass your name on to my Medicare enrollee friends!
Marian S.
Carsonville, MI
Bob Hart helped me understand and all my options, and then signed me up for the plan that was best for me.
Mark B.
Bloomfield Hills, MI
I’d like to thank Bob Hart for helping me navigate the complexities of Medicare enrollment, and explaining the options available to me. He tailored a solution specifically for me, and I couldn’t be happier.
Steve G.
Washington, MI
Bob helped me in selecting and enrolling in basic Medicare and parts C and D. Bob was very thorough in explaining different options and coverages. I was kept informed every step of the way, and all my questions were clearly answered. As a broker, Bob will find the best coverage and rates for your needs.
John D.
St. Clair Shores, MI
Articles and Information
Does Medicare Cover Telehealth Services?
Telehealth has become an essential part of modern healthcare, especially for beneficiaries who prefer to receive care from the comfort of home. If you’re a Medicare beneficiary, you may be wondering whether your plan covers telehealth services.
What Happens When Your Healthcare Needs Change Outside of Medicare’s Annual Election Period?
What can you do if these changes happen outside of the Medicare annual enrollment period? You have options available to you!
Common Exercise-Related Injuries in Seniors and How to Prevent Them
Exercise-related injuries can happen more easily as we age due to changes in balance, muscle strength, and bone density. Fortunately, most injuries can be prevented with the right precautions.
Hormone Replacement Therapy Gaining Popularity with Aging Adults
If you’re experiencing symptoms of hormonal imbalance or are curious about how hormone therapy might fit into your wellness plan, start by having a thoughtful conversation with your doctor.
7 Questions to Ask When Choosing a New Medicare Plan
Choosing the right Medicare plan involves careful thought and review. Your health, budget, and personal preferences all play a role in making the best choice for your needs.
Do You Have to Enroll in Medicare if You’re Still Working?
If you’re approaching age 65 and still working, reach out to one of our knowledgeable licensed insurance brokers. We’ll help you understand your options.
Exploring Holistic Medicine for Beneficiaries: Coverage and Considerations
Holistic medicine offers seniors a supportive path toward better health and a higher quality of life. By blending traditional care with thoughtful, natural approaches, many find a greater sense of balance and vitality as they age.
An Overview of Upcoming Medicare Part D Changes for 2026
Medicare beneficiaries can expect important updates in 2026 that may impact their coverage and out-of-pocket costs. Understanding these changes now can help you prepare and also ensure you’re making the most informed decisions during enrollment.
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