Premium, Fee-Only Medicare Guidance From Andy Stroman
Experience a new standard in Medicare planning—where fiduciary advice meets concierge service. As one of the nation's only fee-only Medicare advisors, I help successful individuals navigate the complexities of Medicare with complete objectivity. No insurance sales, no hidden agendas.
True Independence
Unlike traditional insurance agencies, I'm paid solely by my clients—not by insurance companies. This ensures my guidance is always aligned with your best interests.
Concierge Service
Experience white-glove treatment throughout your Medicare journey, with dedicated support that matches the service level you expect from your other financial professionals.
Strategic Planning
I integrate your Medicare decisions with your broader retirement strategy, ensuring healthcare choices that support your long-term financial goals.
Setting the Standard in Medicare Planning
I created this service to bring the same level of sophisticated planning and fiduciary service to Medicare that affluent clients expect from their wealth managers and other financial professionals. As one of the only fee-only Medicare advisors in the United States, I'm proud to lead the transformation of Medicare planning from a transaction-based insurance business to a premium advisory service.
| Typical Medicare Insurance Agency | My Service |
|---|---|
| Focus on selling insurance products | Focus on Medicare strategy & planning |
| Paid by insurance companies | Paid only by clients |
| Product-driven recommendations | Strategy-driven recommendations |
| Won't sell certain plans | Analyze entire Medicare market |
| Free but incentivized | Fee-based but independent |
| Transaction-oriented | Advisory relationship |
| Insurance sales approach | Wealth management approach |
The Process
1
Initial Consultation
Begin with a comprehensive consultation where I understand your health needs, retirement vision, and current healthcare situation.
2
Plan Analysis
I evaluate all Medicare options available to you, factoring in your physicians, prescriptions, and anticipated healthcare needs to develop your optimal coverage strategy.
3
Recommendations
I present my detailed findings and recommendations, clearly explaining the rationale behind each choice. All options are thoroughly discussed to ensure you make informed decisions.
4
Action Plan
I provide you with a clear, step-by-step action plan for implementing your Medicare decisions. My detailed guidance ensures you understand exactly what needs to be done and when.
Ready to start planning your Medicare coverage?
Services
Unlike traditional commission-based Medicare insurance agents, I serve as your independent Medicare strategist, providing unbiased guidance without third-party influence. My fee-only model ensures my recommendations are solely aligned with your best interests.
Medicare Onboarding Service
For those approaching Medicare eligibility, my flagship service provides comprehensive strategy development and white-glove implementation support.
Planning
Initial strategy consultation
Complete Medicare education and timeline creation
Employer coverage transition strategy
IRMAA planning and appeals guidance
Spousal coverage optimization
Healthcare expense forecasting
Research & Analysis
Employer health plan analysis (benchmarked to Medicare)
Medicare cost projections specific to you
Medicare plan research specific to your location and needs
Prescription drug cost optimization research
Verification of all doctors and status of Medicare plan acceptance
Coordination with your financial advisor and tax professional, if desired
Recommendation
Custom timeline of all crucial steps and target dates
Formal plan recommendation and quotes
Comprehensive, custom report with all recommendations, cost projections, references and action steps (digital & print formats)
Step-by-step guidance through the signup process with Medicare and private insurance companies
Dedicated Support
Priority response time (within 24 business hours)
Your first annual Medicare Coverage Review included
Preferred pricing on future Medicare Coverage Reviews
Includes 12 months of support for questions, issues, and advice
Ready to experience premium Medicare planning?
I recommend starting your Medicare planning 9-12 months before eligibility. This timeline allows for thorough analysis, careful consideration of all options, and stress-free implementation of your chosen strategy.
Medicare Coverage Review
For those with existing Medicare coverage, my review service ensures your coverage remains optimal as plans, needs, and the market change.
In-depth discussion of your existing Medicare coverage
Review of current healthcare usage, providers, and prescriptions
Complete analysis of current coverage
Market comparison with new plan options
Prescription drug cost optimization
Provider network verification
Coverage gap identification
Medicare policy change updates
Implementation support for any changes
Dedicated senior-level advisor
Priority response time (within 24 business hours)
Comprehensive report in digital & print formats
Preferred pricing on future Medicare Coverage Reviews
Includes 12 months of support for questions, issues, and advice
Request your Medicare Coverage Review:
My Promise To Clients
Your Medicare decisions deserve both initial expertise and ongoing vigilance. That's why I stand behind my service with what I believe are the most comprehensive guarantees in the Medicare advisory industry. I'm not just promising effort; I'm promising results you can measure, delivered through a process you can trust.
Initial Consultation Guarantee: After our initial consultation, if you don't feel I've demonstrated the expertise and value you expect, simply let me know and receive a complete refund.
Value Guarantee: Upon receiving our analysis and recommendations, if you don't believe I've provided clear, actionable value worth several times our fee, I'll refund your fee in full.
Timeline Commitment: I guarantee delivery of our analysis and recommendations within 3 business days of your consultation, or I'll refund 25% of your fee while still completing your service.
Service Excellence Guarantee: Throughout your service period, I guarantee response to all inquiries within one business day. If I miss this commitment, I'll extend your support period by an additional month.
Frequently Asked Questions
What makes your Medicare guidance different?
As a fee-only advisor, I work solely for you, not insurance companies. This means I analyze every available option to find your optimal coverage, without the influence of commissions or sales incentives.
What does your service include?
My comprehensive service includes complete Medicare strategy development, coverage analysis, personalized recommendations, and step-by-step implementation support. I guide you through every detail of your transition to Medicare.
Are there any limitations to your service?
Yes - I cannot submit the actual enrollment with Medicare or insurance companies entirely on your behalf.I will, however, pre-fill your enrollment forms, join you on any necessary phone calls, and guide you step-by-step on video calls through the tasks you must complete on your own.
When should we begin working together?
Optimal planning begins 9-12 months before your Medicare eligibility (usually your 65th birthday). This timeline ensures thoughtful decisions and smooth implementation of your coverage.
How does the process work?
I begin with a thorough analysis of your healthcare needs and preferences. Then I evaluate all available options, present my clear recommendations, and guide you through every step of implementation.
About Andy Stroman
After spending my early career in the employer health insurance market, I was drawn to Medicare when a close family friend came to me for help planning for healthcare as he approached retirement.The nuances of Medicare—and the relief I was able to provide through clear guidance—revealed a sense of purpose and a business opportunity for me. I discovered that even sophisticated professionals struggled to figure out Medicare's complexities, often making costly mistakes that could impact their healthcare options for years to come.So I moved full-time into the Medicare market. After several years operating on an insurance sales model, I realized that my most discerning clients needed a more comprehensive approach to planning their transition to Medicare. They were wiling to pay for a premium experience and true independence from insurance industry constraints.I began this service to transform how affluent Americans navigate their Medicare decisions. As the nation's premier fee-only Medicare advisor, I serve as your dedicated advocate, providing conflict-free guidance that puts your healthcare future first.
The Fee-Only Difference
Just as fee-only financial advisors revolutionized wealth management, I am bringing the same transparent, client-first approach to Medicare planning. Unlike traditional insurance agencies paid through commissions, I work solely for you. My advice is driven by your needs—not insurance company incentives.
My Fiduciary Commitment
- Independent, objective guidance with no hidden agendas
- Transparent, fee-only compensation with no commissions
- Comprehensive analysis of all available options
- Dedicated to serving your best interests at all times
The Experience
Impeccable Service
Every client relationship begins with my signature concierge onboarding process. I take the time to understand not just your healthcare needs, but your entire retirement vision. My meticulous attention to detail ensures nothing is overlooked in your Medicare strategy.
Expertise That Matters
Medicare decisions have far-reaching implications for your retirement, your spouse, and potentially your children. I offer deep expertise in:- Medicare enrollment timing and strategy
- Plan selection and optimization
- Healthcare cost projection and planning
- Coordination with other retirement benefits
- Family impact consideration
Built for Sophistication
I serve clients who understand the value of professional guidance. Just as you trust your financial advisor to optimize your investments and your estate attorney to protect your legacy, I ensure your healthcare strategy aligns with your comprehensive retirement plan.
An Invitation
If you're approaching Medicare decisions and value sophisticated, independent guidance, I invite you to experience the difference of working with me. Contact me to learn how my premium advisory services can help secure your healthcare future.
Contact Me
I provide comprehensive Medicare advisory services for discerning individuals who value expert, independent guidance. I'm ready to assist you in taking the first step toward optimizing your healthcare coverage.
Schedule a Consultation
The most efficient way to begin our relationship is through a scheduled consultation. This allows me to dedicate my full attention to understanding your situation and explaining how my premium advisory services can serve your needs.
Learn Medicare Basics - Free Video Guide
New to Medicare? Our free 30-minute video explains what you really need to know about Medicare in plain English. No insurance jargon, no sales pitches - just clear explanations of when decisions need to be made, how Medicare works with your doctors, what determines your costs, and how to avoid common mistakes.
Thank you!
Accumsan tortor posuere ac ut consequat. Viverra nibh cras pulvinar mattis nunc sed blandit.
Privacy Policy
Lacus luctus accumsan tortor posuere ac ut consequat. Etiam dignissim diam quis enim. Quis auctor elit sed vulputate mi sit. In egestas erat imperdiet sed euismod nisi. Mollis aliquam ut porttitor leo a diam sollicitudin.
Privacy Policy
Last Updated: October 31, 2024
Introduction
Private Health Strategies ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our Medicare advisory services.Information We Collect
Personal Information
We may collect personally identifiable information, including but not limited to:- Full name
- Date of birth
- Contact information (email address, phone number, mailing address)
- Social Security number
- Medicare identification numbers
- Health information
- Financial informationNon-Personal Information
We automatically collect certain non-personal information when you visit our website, including:- Browser type
- Operating system
- IP address
- Pages visited
- Time and date of visits
- Referring websitesHow We Use Your Information
We use the collected information for the following purposes:- Process your Medicare enrollment and applications
- Provide Medicare advisory services
- Communicate with you about Medicare plans and benefits
- Respond to your inquiries and requests
- Improve our website and services
- Comply with legal obligations
- Prevent fraud and abuseInformation Sharing and Disclosure
We may share your information with:- Insurance carriers and Medicare plan providers
- Service providers who assist in our operations
- Government agencies as required by law
- Law enforcement when required by valid legal processWe do not sell, rent, or trade your personal information to third parties for marketing purposes.Data Security
We implement appropriate technical and organizational measures to protect your personal information, including:- Encryption of sensitive data
- Secure servers and networks
- Regular security assessments
- Employee training on data protection
- Access controls and authenticationYour Rights
You have the right to:- Access your personal information
- Request corrections to your data
- Request deletion of your data
- Opt-out of marketing communications
- File a complaint with relevant authoritiesCookie Policy
We use cookies and similar tracking technologies to:- Improve website functionality
- Analyze website traffic
- Remember your preferences
- Provide personalized contentYou can control cookie settings through your browser preferences.Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.Changes to Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Changes will be effective immediately upon posting to our website. We will notify you of material changes via email or website notice.Contact Information
For questions or concerns about this Privacy Policy, please contact us at: [email protected]Governing Law
This Privacy Policy is governed by the laws of Georgia, without regard to its conflict of law provisions.California Privacy Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA).
Please contact us for more information about exercising these rights.HIPAA Compliance
As a healthcare advisory organization, we comply with the Health Insurance Portability and Accountability Act (HIPAA). We maintain appropriate safeguards for protected health information as required by law.