Products & Services
Mark Howard – Life and Health Insurance Since 1986
Medicare Supplement
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t, like co-payments, co-insurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when traveling outside the U.S. Some also cover health club membership fees.
Medicare Part D
MEDICARE PART D
Part D adds drug coverage to Original Medicare, via a stand-alone Part D plan, or comes incorporated into a Medicare Part C ‘Advantage’ plan.
Medicare Advantage Part C
Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan. Your Medicare services aren’t paid for by Original Medicare.
Long Term Care/Life Insurance
Long-term care (LTC) is a range of services and support for your personal care needs. Most long-term care isn’t medical care. Instead, most long-term care is help with basic personal tasks of everyday life like bathing, dressing, and using the bathroom, sometimes called activities of daily living. Medicare doesn’t cover long-term care (also known as custodial care) if that’s the only care you need. Most nursing home care is custodial care. You pay 100% for non-covered services, including most long-term care. We can help you plan for that time.
We also offer health insurance plans (for under 65, marketplace, short term major medical) in addition to Term, Whole life, or Universal Life Insurance.
Client Reviews
Mark is amazing person to have working on your behalf. Highly recommended, his attention to detail, patience with his clients and knowledge of all the ins and outs of Medicare are second to none. He’s very available and responsive. I live in Illinois and Mark was able to walk me through all the necessary aspects to reach a good decision on all fronts.
Una Ortell
18:02 14 Jun 25
Mark makes the Medicare process painless. I told him what I needed for coverage and he delivered. He went above and beyond to make this easy for me and I’m very happy with the results. He knows everything about Medicare and will find the right plans for you. Extremely knowledgeable.
Lisa H
17:06 28 May 25
Mark Howard made the process as easy as it could be. Very good guy to work with!
James Joyce
15:20 07 May 25
Mark provided great help guiding my wife and I through the process of applying for Medicare, understanding all of the options and helping us enroll in the best plans for us. I highly recommend Mark's services during what can be a very confusing decision process.
Roger Weigand
18:17 06 May 25
Very knowledgeable, Very helpful. It's so nice to have an actual human being with sense to help with insurance questions and concerns! Highly recommend Mark!
Jenni Beesley
19:53 10 Apr 25
Matt was extremely helpful throughout the process of medical insurance application and we highly recommend his services and will use him every time needs come. He is very responsive and responsible and seeks deep understanding for all sorts of different issues when handling health insurances.
naveed javied
14:05 09 Apr 25
Matt Howard is the best at explaining Medicare options and helping you step by step. I have never worked with someone who is more knowledgeable, patient, and willing to help. I get flustered by medical information and often make things harder for myself but Matt always tells me what I need to know and explains it clearly and has many times gone above and beyond. I recommend Matt to everyone I know who is dealing with Medicare questions.
Carolyn Rummel
18:23 25 Feb 25
Matt was awesome to work with. Made sure we understood all coverages and information.
Joe Barcus
14:35 25 Feb 25
Informative, not pushy, works to fit plans to your individual needs.
David H
21:04 24 Feb 25
Matt is the most down to earth person, he will take care of you providing the best suitable healthcare plan for you, he deserves a million stars
Ely Marco
20:48 24 Feb 25
Matt was very knowledgeable he was able to answer all of our questions and help my husband and I choose the best insurance to meet our needs.. I highly recommend him!
Marsha Shinn
03:27 20 Feb 25
Mark Howard is a great help, as I quickly discovered, while I searched for the best Medicare supplement to fit my needs.He thoroughly knows the world of Medicare supplement choices and found several which suit me.I chose the one most appealing to me and my health condition.Before meeting Mark I was confused about the decisions I needed to make. Mark calmly cleared away my misperceptions and made my task one of enjoyment.Thank you so much, Mark Howard!!!happily,Scott Graham
Scott Graham
19:15 05 Feb 25
Always has time for me- knows everything so I don’t have to❤️
Susan Kitterman
16:58 24 Jan 25
Mark was very helpful with navigating the Medicare process.
Kim Payne
21:43 18 Jan 25
Mark has been a godsend for us in navigating the Medicare ins and outs. He has patiently and promptly responded to all my crazy questions, too!
Holly Lyons
19:00 17 Jan 25
I love giving 5-star reviews, and this is a new one! A good friend recommended Matt and his team to us, and after a few conversations we knew Howard Insurance would be a great partner for us as we investigate a change in our healthcare insurance. I highly recommend Howard Insurance!
Nam Ssob
20:28 16 Dec 24
This is my second year working with Mark. He assisted me as well as my mother. Mark does a great job explaining the options and walking you through the process. Highly recommend Mark for your Medicare plan needs.
JSA
18:11 07 Dec 24
Mark is kind and knowledgeable. Always available for advice and help. I highly recommend Howard Medicare
Jill Cooke
14:58 04 Dec 24
Had a great meeting today with Mark, helped me navigate my benefits! Love that I have him on board to make sure I have great benefits!
Sandy Engle
14:56 04 Dec 24
Mark has been our advocate for years and has always worked in our best interests. No questions left in answered - Looking forward to more great service in the future!Helmut & Connie
Helmut Kientz
01:02 04 Dec 24
I called Mark to get help adding some coverage to my existing PPO plan. During the discussion, He explained an HMO plan that was less expensive and with equal coverage. I really appreciated his expertise and kind conversation.
Rod Caldwell
21:52 03 Dec 24
Matt is awesome!
Jacob Bay
21:12 29 Nov 24
Mark was very helpful with explaining and working with us to get the best Medicare coverage for my mother. He was patient, friendly, knowledgeable, and respectful through the our whole interaction. I would highly recommend him.
Elaine Renollet
14:34 27 Nov 24
I spoke with Mark Howard today regarding Medicare options and I am immensely pleased. I was extremely impressed with his fund of knowledge and his ability to navigate the confusing options— he found the very best plan for me. I am very grateful for his expertise and his pleasant demeanor. Thank you Mark for your kindness and assistance!
Rose Mullen
22:13 20 Nov 24
Mark Howard is a wealth of Medicare knowledge! He was extremely helpful, reassuring and patient with me as I explained our particular situation. He explained our choices perfectly and in a way that I could understand. My husband and I highly recommend him!
Patricia Butler
17:04 20 Nov 24
With many years of experience, Mark is clearly expert in his field. He is patient, thorough and diligent in ensuring his clients fully understand his recommendations for their wellbeing. He is very easy to interact with and fully solicits client input to help them make the best informed decisions they can. Highly recommend for your consideration and partnership.
John Robertson
21:27 19 Nov 24
As always, Mark is super helpful and is also very empathetic when it comes to all of the questions I have.
JoysClassicComfort Joy Carter
16:45 18 Nov 24
I appreciated the information Mark shared with me regarding several plans available to me. He was very knowledgeable and made the decision making easy. Thanks Mark
Penney Fowler
19:05 14 Nov 24
I have to say I get confused to know which plan best fits me. I contacted Mark Howard he had helped me last year and again this year helping me with the Medicare Supplements that best fits me cause things do change every year! He explained things very simply to me and made things clearer to understand, he was a great help!! Thanks Mark!
kathy berry
23:41 13 Nov 24
Matt Howatd has been a Godsend kindly guiding us through the health insurance marketplace. He makes it easy to work with him and has a great knowledge base. Highly recommend!
my name jeff (mcsweet)
19:11 13 Nov 24
Matt was very helpful guiding me through the marketplace medical options. Thankful for his help.
L. Black
17:21 13 Nov 24
Matt was great to work with and answered all of my questions before I selected a plan. I highly recommend him!
Rex Buckley
23:17 12 Nov 24
We found ourselves in a real bind and Matt Howard was nothing short of amazing to work with. He has vast knowledge and experience in this overly-complicated industry. Not only did Matt help guide us through the process, he also provided us with incredible peace of mind. Highly highly highly recommend!
LeeAnn Clifford
18:55 12 Nov 24
Mark is amazing! He took his time and made sure I understood everything, and I never felt rushed or pressured. I recommend Mark to anyone looking for a Medicare plane! Thank you Mark!
Steve Glasel
18:32 12 Nov 24
Matt is a pleasure to work with. He makes shopping for health insurance easy and painless!
Jessica Tays
18:29 12 Nov 24
Matt us helpful, informative and knowledgeable in this insurance jungle!
Luana Dulin
14:09 12 Nov 24
I can't give enough praise for Matt in helping with our social security and medicare insurance applications! Matt is so patient and polite which makes this whole process go smooth. Please do not hesitate in using Howard Medicare for your retirement needs. Thank you Matt!!!Had a very informative and educational meeting with Matt today about my retirement. Matt was thorough with all the aspects of Medicare. He answered all my questions and helped me understand the perplexity of Medicare. I was very impressed with his professional demeanor and his personable attitude. I would highly recommend him to guide you through the retirement process.
Dianna Locke
15:55 11 Nov 24
Professional and informative with timely responses and ability to execute quickly.
Jane Hendrickson
21:21 09 Nov 24
Matt is very effective in finding the right policy and efficient in completing the enrollment process.
Martin Draper
15:58 05 Nov 24
Matt is always great to work with! He is very knowledgeable and truly cares about helping you get the plan that works best for you. I highly recommend him if you need help picking a plan or just have questions!
julie moore
15:00 05 Nov 24
Great service! Quick and easy. Matt is fantastic to work with.
Ryan Hussey
12:06 05 Nov 24
Matt helped me figure out what would be the best Medicare plan for me. He was so helpful, very kind and well-informed. I would encourage anyone looking for help with this confusing decision to reach out to Matt!
Mary Martha Johnston
19:47 04 Nov 24
This group has been very helpful in navigating the Insurance dilemma. They do all the foot work so you can makeyour decision. You never need to talk to an insurance company.
Kathy McGreal
17:26 03 Nov 24
I have spoken with a few agents to apply for my Medicare supplement coverage as I’ll be 65 in January’25. I decided to work with Mark Howard as he’s the most prompt and professional agent. He’s also very kind in the way he explained all the details and options. He even helped to switch my parents’ Medicare plan to a better one with more benefits and savings. I recommend him highly!
Mia Park
15:45 02 Nov 24
Matt is a pleasure to work with and very knowledgeable. Glad to have him help me.
April L
20:53 01 Nov 24
For your Marketplace Insurance needs Matt Howard is your guy!! He will work with you until all your health insurance needs are met .Thank you Matt for all your help it's very much appreciated sir.
Nana P
17:25 01 Nov 24
Matt is amazing!! He makes things so simple. I would highly recommend him!!
Vicki Miller
14:12 31 Oct 24
Matt has made the transition to Medicare and Supplemental Coverage much easier than expected. He has been informative and responsive throughout the process. I highly recommend Matt if you are looking to start Medicare and need additional information and explanation of the process.
William Schaefer
17:08 30 Oct 24
Matt took the time to understand what i wanted and needed out of a Medicare Supplement product. He guided me to the product that best served my needs. He made certain that all of my questions were answered. Would absolutely recommend using his services.
Debra Smith
21:49 25 Oct 24
Contact Us Today
Let us start helping you over the phone today.
Contact Mark, Brian or Matt today for a no cost, no obligation Medicare Planning Review