Medicare Agent
Nobody really wants to think about the complexities of Medicare until the moment arrives, but eventually, we all have to. Turning 65, losing employer coverage, or facing unexpected health issues can make Medicare choices overwhelming. The truth is, the system can be confusing, and making the wrong choice can cost you both financially and medically. At Insurance With Malachi, we believe you shouldn’t have to face that burden alone.
Confusion does not have to paralyze you, however. Instead, it can empower you to take control of your health and your future with the right guidance. And your chances of finding the best coverage are much higher when you work with an advisor who is just as dedicated to your well-being as you are. Malachi Ulysse is known among both clients and peers for his ability to simplify the complex world of Medicare and fight tirelessly to ensure her clients get the benefits they deserve.
If you’re turning 65, retiring soon, struggling to understand your Medicare options, or worried about paying too much for coverage, contact experienced Medicare insurance agents for a free consultation. Malachi Ulysse treats every client with personal care and attention. Our mission is to help you choose the right Medicare plan and move forward with confidence.
Services
Advantage
Medicare Advantage (Part C) plans can combine hospital, medical, and prescription coverage into one convenient plan that often has benefits like dental, vision, and hearing. Our priority is helping you compare your options and find the plan that best fits your health needs and budget.
Supplement
Original Medicare doesn’t cover everything. Medigap plans can help pay for deductibles, copayments, and other out-of-pocket costs. With years of experience navigating these policies, we know how to match clients with the right coverage so they can have peace of mind.
Part D
Prescription costs can add up quickly, and choosing the wrong plan can mean paying far more than necessary. We work with you to review your medications and select the Part D plan that offers the best protection at the most affordable cost.
Get the Right Plan
Without the Stress and Confusion
THE PROBLEM
Most people come to us feeling overwhelmed by Medicare. The rules are complicated. The plans are confusing. And the natural question that follows is, “Which plan is right for me?”
THE PROCESS
While we can’t simplify the Medicare system itself, the good news is you don’t have to navigate it alone. Our experienced Medicare insurance agents are here to guide you step by step. We’ll turn the confusion into clarity and the stress into a clear plan of action.
THE SOLUTION
You deserve coverage that protects your health and your finances. With our knowledge, resources, and personal care, we’ll help you find the right Medicare plan — one that meets your needs and gives you peace of mind about the future.
An Experienced Medicare Insurance Broker
Medicare agents are everywhere – or so it may seem when you first start looking. Of course, that’s a bit of an exaggeration. Still, it’s true that dozens of agents and call centers claim they can “help” you choose a Medicare plan. While many are eager to sell, very few truly understand the complex strategies behind how insurance companies structure and market their plans.
That is where Malachi Ulysse is different. With years of experience working inside the insurance industry, Malachi saw firsthand how carriers design plans and how easily people can be misled or overwhelmed by all the choices. By 2023, he decided to make a change. His response was to dedicate his career to helping seniors and retirees navigate Medicare with clarity and confidence.
Malachi’s background on the “inside” of the insurance world is now a huge benefit to the people he serves. He knows how companies market their plans, what fine print to watch out for, and how enrollment periods are structured to the carriers’ advantage – not necessarily yours. He prides himself on being able to “read between the lines” of plan documents and explain in plain English what matters for your health and your budget.
Independent Medicare broker Malachi Ulysse has a thorough, first-hand understanding of how the system works – and how to work through it on your behalf. With his knowledge, he can help you compare your options, avoid costly mistakes, and choose the plan that truly fits your needs. Don’t let confusion or misinformation put your health or finances at risk. Put Malachi on your side and get the Medicare coverage you deserve. Call your Medicare advisor today and take the first step toward peace of mind.
Medicare Insurance FAQs
Get answers to common questions about Medicare agents. Learn how the enrollment process works, cost details, plan options, providers, states, and how long it all takes.
You should work with a Medicare insurance broker when it’s time to choose your coverage. Medicare is full of rules, deadlines, and plan options that can be confusing and making the wrong choice can cost you money or leave you without the care you need. Having an experienced broker on your side makes the process much easier.
A Medicare broker can help you determine which plans you’re eligible for, review the details of each option, and explain your rights and responsibilities. They can also compare costs and benefits across multiple companies to ensure you’re not overpaying. And when questions or problems come up, your broker is there to help you resolve them so you can feel confident that your health and finances are protected.
Thinking about broker costs can be intimidating, but it doesn’t have to be. Most Medicare brokers work at no cost to you, because they are compensated by the insurance companies when you enroll in a plan. That means you can get expert help comparing your Medicare options without paying a fee out of pocket.
Other Medicare brokers may have access to different carriers or plans, but a good broker will remain flexible and focused on your needs and not the insurance company’s. Don’t be afraid to schedule a consultation to talk about your coverage questions and let a Medicare agent explain your options clearly.
Medicare has specific enrollment periods, and missing them can lead to penalties or gaps in coverage. Most people become eligible when they turn 65. Your Initial Enrollment Period begins three months before your 65th birthday, includes your birthday month, and extends three months after – giving you a total of seven months to sign up.
If you’re still working and have employer coverage, you may qualify for a Special Enrollment Period once you retire or lose that coverage. There’s also the Annual Enrollment Period each fall (October 15 – December 7), when you can review and change your plan.
Medicare rules and timelines can feel overwhelming, but with the right guidance, you’ll never have to worry about missing a deadline. Malachi Ulysse helps clients understand exactly when they can enroll and ensures the process is handled smoothly.
Beyond simply finding someone licensed to sell plans, you should work with a Medicare broker who truly understands the system and puts your needs first. A good broker will clearly explain complex Medicare rules, compare multiple plan options, and help you avoid costly mistakes.
You’ll also want someone who is patient, empathetic, and willing to take the time to answer your questions without pressure. The right broker should make Medicare feel less overwhelming, not more confusing.
Malachi Ulysse has built his reputation on guiding clients through Medicare with honesty and clarity. With years of experience helping people choose coverage, Malachi knows how to simplify even the most complicated choices and ensure you feel confident about your decision.
You should speak to a broker well before your Medicare eligibility begins. Ideally, that means reaching out a few months before you turn 65 or before you retire if you’ll be losing employer coverage. Acting early ensures you don’t miss enrollment deadlines and helps you avoid costly penalties or gaps in coverage.
You know a plan is right for you when it matches your health needs, prescription drug requirements, preferred doctors, and budget. But connecting all of these details to the right coverage option is not always easy, which is why working with a broker can make such a difference.
The providers I represent are Humana, Aetna, UnitedHealthcare (through AARP), Cigna, WellCare, Mutual of Omaha, and Florida Blue. Different insurance companies offer a variety of plans tailored to different needs, budgets, and regions. Working with an agent gives you access to multiple top-rated carriers rather than being limited to just one company. Having access to many choices allows an advisor to focus solely on matching you to the benefits package that provides the best combination of coverage, affordability, and network strength in your area.
I assist individuals across a wide range of states including Arkansas, California, Colorado, Florida, Maryland, Maine, Michigan, Minnesota, North Carolina, Nebraska, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Virginia, and Wisconsin. While Medicare is a federal program, plan availability, pricing, and network options can vary from state to state. Having an agent who understands both the national system and the specifics of local offerings ensures you receive advice that is not only accurate but also tailored to your area’s available resources.
Not necessarily. Many Medicare insurance professionals are happy to meet with you in person if you prefer, but you can also work with them over the phone or online. This flexibility allows you to get the guidance you need in the way that’s most convenient for you.
At your first meeting, expect your broker to ask questions about your current health coverage, your doctors, and any prescription medications you take. This information helps them understand your situation and narrow down which Medicare plans will work best for you.
Before your appointment, your broker may ask you to bring a list of your medications, your Medicare card (if you already have one), and any details about your preferred doctors or specialists. If you don’t have everything ready, bring what you can. Your broker will guide you through the process and help you explore the plans that best fit your needs and budget.
Yes, in most cases you’ll still need to enroll in Medicare even if you already have health coverage. For example, if you have insurance through your employer, you may be able to delay certain parts of Medicare without penalty, but once you retire or lose that coverage, Medicare usually becomes your primary insurance.
If you don’t enroll on time, you could face late enrollment penalties or gaps in coverage. A broker can help you review your current insurance and determine how Medicare will coordinate with it, ensuring you don’t overpay or leave yourself unprotected.
Meet Malachi Ulysse
Get help applying for Medicare Advantage, supplement, or Part D plans with an independent agent who is licensed to represent multiple insurance providers at no cost to you.
Malachi Ulysse
A Trusted Representative
As a broker and agent, I represent multiple providers, making plan selection easier and more personalized.
Broker
A licensed professional ready to help you enroll with confidence and secure the right coverage.
No Cost to You
Applying can be confusing without support. Whether you’re turning 65, retiring, or reevaluating options, I’m here to simplify the process. Choosing the best path becomes easier with an experienced professional.
Advisor
An independent guide committed to helping you select the right plan.
No Cost to You
Get personalized recommendations when signing up. Advice is based on where you live, and one advisor works across several companies to find your match.
For All of Your Needs
Licensed
Find out about the plans available to you from a professional Medicare expert.
Independent
Working independently, I can assist with supplements, Advantage, Part D, and more.
Choose a Provider to Apply with an Agent
I can help you apply based on years of experience. You’ll be assisted by a knowledgeable professional familiar with a range of choices tailored for you.
Current Providers
Humana
Advantage plans built around your health goals.
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Aetna
Trusted coverage backed by CVS Health.
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AARP UnitedHealthcare
Plans combining experience, trust, and nationwide access.
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WellCare
Solutions focused on affordability and simplicity.
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Cigna
Personalized plans with strong provider networks.
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Mutual of Omaha
Supplement insurance from a time-tested name.
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Florida Blue
Local plans with the power of Blue Cross Blue Shield.
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Areas I Serve
Malachi’s expert knowledge comes from full-time experience as a licensed specialist who maintains certification and licensing to ensure quality service for several states.
Current States
Get Help Applying For Medicare
Get advice from an experienced consultant to find the right coverage for you. I will guide you in choosing the options for your needs and lifestyle.
Malachi Ulysse
Medicare agent
Medicare expert
Avoid the confusion and potential pitfalls of enrollment. I’ll guide you every step of the way, ensuring you don’t miss any important deadlines.
Medicare advice
From comprehensive coverage to cost-saving options, Insurance With Malachi will help you find the policy that best suits your health and financial goals.
Medicare enrollment
Navigating Medicare can feel overwhelming, but I’m here to simplify it for you. Together, we’ll explore your options and make the process easy and stress-free.
