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Helping you understand Medicare and its various options.

Medicare for individuals tailored to your unique needs.

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As Medicare evolves to meet the needs of today’s world, the plans and offerings have become more complex. Understanding the various parts and supplemental options can help you choose a coverage plan to suit your needs. We’ll help you evaluate your needs so you can make an informed decision.

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Our Insurance Specialties

General Medicare

Medicare Advantage Plans

Medicare Part D

Dental, Vision, and Hearing Plans

Hospital Indemnity Plans

ACA and Short-Term Medical Plans

Final Expense Insurance

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As an independent agency, we are here to help you find the right coverage.

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About Element Risk Management

At Element Risk Management, our goal is to be available, knowledgeable, and efficient in an effort to make the most of our time together, and stand out as one of the best insurance firms that you have ever worked with.

We are licensed in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.

Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all of your options.