Medicare Insurance Specialist · Fort Worth
Four decades of Medicare. One person who knows your file.
I help people choose between Medicare Supplements and Medicare Advantage. Forty years of experience paired with quoting software that compares what is actually available where you live. It saves you time, saves you money, and takes the guesswork out of it.
And it costs you nothing.
Services Offered
Coverage I can help you with
These are the products I am licensed and appointed to sell. Medicare Supplements are where I have spent most of my career, and Medicare Advantage is a great fit for plenty of people. The right answer depends on you, not on what I happen to be selling this week.
- Medicare Supplement Medigap pairs with Original Medicare and covers what it does not. Higher premium, far fewer surprises, and any doctor in the country who takes Medicare. This is my specialty.
- Medicare Advantage All-in-one plans that bundle your hospital, medical and usually drug coverage, often with extras. Lower monthly cost, with a network to keep an eye on.
- Part D prescription drug plans Your drug list decides more of your yearly cost than the premium does. We run yours through the software before you enroll, not after.
- Dental, vision and hearing The three things Original Medicare does not cover at all, and the three bills people are least prepared for.
- Hospital indemnity and critical illness Cash coverage that pays you directly when a hospital stay or a diagnosis brings costs a health plan was never built to handle.
- Long-term care planning Home care, assisted living and nursing care are the costs that catch families off guard. There are ways to plan for them that do not mean paying premiums for something you may never use.
- Final expense Small whole life coverage so a funeral does not land on your kids at the worst possible moment.
Start where you are
Three situations, three different conversations
New to Medicare
I am turning 65
Your window opens three months before your birthday month. Get the timing wrong and a penalty can follow you for as long as you have Medicare. We sort out the deadlines first, then the plan.
Walk me through itAlready enrolled
I want someone to check my plan
Networks and drug lists get rewritten every year. Twenty minutes and the quoting software will tell us whether yours still holds up or whether something better opened up.
Review my coverageHelping a parent
I am doing this for my mom or dad
You are trying to make a good decision with partial information and no time. Bring me whatever you have and we will figure out together what is missing and what it costs.
Talk it throughFree Guide
Your Medicare Decision, Made Simple
What the four parts cover, how Advantage and Medigap really compare, and the deadlines that carry a penalty.
John Shinn · John Shinn Insurance
No cost, no obligation
Forty years of answers, written down
The same good questions come up every single year. I put the answers in one place so you can read them at your own pace, on your own schedule, before anyone tries to sell you anything.
No phone call comes with it. If you want to talk afterward, you know where to find me.
Why people stay
You will not get handed to someone else next year
Call centers rotate agents. The person who enrolled you last October is gone by the time you have a question in March, and whoever picks up has never seen your file. That is the part that quietly costs people money, and it is the part nobody mentions at enrollment.
I have clients I first helped decades ago. When something changes they call me, and I already know their doctors, their medications and their situation. No queue, no transfer, no starting over. That is the whole model, and it is the only one I have ever run.
I am independent, and my help is free to you. I am not employed by an insurance company and there is no fee for my time. If the plan you already have is the right one, I will happily tell you so.
Have a question about your own situation
Every answer changes depending on your doctors, your medications and your county. Call me at 972-922-9000 or send a note and I will give you a straight answer.