Medicare
Understand Original Medicare, Medicare Advantage and prescription drug coverage.
Explore Medicare →For you. For your family. For what’s next.
Big decisions.
A little guidance
helps.
Insurance can feel complicated. Let’s make it easier to understand—with personal guidance for your Medicare, life and health coverage.
James “Jim” Anderson · Licensed Illinois insurance agent
Life changes. We’re here to help.Star Family Insurance Services
One-to-one conversationsClear explanationsCoverage centered on your needs
Find your starting point
Coverage for life’s
important chapters.
New to Medicare? Reviewing an existing policy? Start with what matters to you.
Medicare supplements
Review Medigap coverage, compare plan benefits and discuss rising premiums.
Understand Medigap →Life insurance
Explore term and final expense coverage with your family’s priorities in mind.
Protect your family →Health insurance
Talk through coverage needs, provider access and the costs that matter to you.
Review your needs →A little clarity goes a long way
Make your next Medicare decision an informed one.
Review your doctors, prescriptions, budget and current coverage before making a change. Jim can help you understand the questions to ask and the differences between your options.
Understand Open Enrollment →Medicare annual Open Enrollment
October15
December7
For Medicare Advantage and Part D changes, generally effective January 1. Medigap enrollment and switching follow separate rules.
JA
James “Jim” Anderson
Owner · Licensed insurance agentA person you can talk to
Hi, I’m Jim.
Let’s make sense of it together.
I’m the owner of Star Family Insurance Services and a licensed life and health insurance agent in Illinois. I live in the Chicago suburbs with my wife, Patti. Family is an important part of my life—and the reason thoughtful coverage matters.
Whether you’re approaching Medicare, reviewing a supplement or thinking about your family’s future, we’ll start with a conversation about your needs.
Connect with Jim →01Talk about your needs
02Understand your options
03Choose your next step
The Star Family blog
A clearer view of your coverage.
Medicare guide · October 29, 2026
Medicare Open Enrollment: What Can You Actually Change?
A simple guide to the fall enrollment window—and why Medigap follows different rules.
Read the article →
Medicare guide · October 29, 2026
Medicare Supplement Premium Going Up? Here’s What to Know Before Switching
Look beyond the monthly premium before you move your Medicare supplement policy.
Read the article →Good questions. Clear answers.
Let’s start
with the basics.
Every situation is different. These answers can help you prepare for a conversation.
Have another question? →How is a Medicare supplement different?
Medicare supplement insurance, also called Medigap, helps pay certain out-of-pocket costs with Original Medicare. Medicare Advantage is a different way to receive Medicare benefits. Medigap does not work with Medicare Advantage.
Can I switch Medigap during fall Open Enrollment?
You may be able to apply for another Medigap policy, but fall Open Enrollment does not automatically give you a right to change without medical underwriting. Your enrollment history, guaranteed issue protections and state rules matter. Review eligibility before canceling an existing policy.
What life insurance should I consider?
Start with the purpose: replacing income, protecting a mortgage or helping with final expenses. Jim can discuss term life and final expense options. Eligibility, premiums and any waiting periods depend on the insurer and policy.
What should I compare in health coverage?
Consider premiums, deductibles, out-of-pocket limits, covered prescriptions and provider networks. Let Jim know whether you need individual or family coverage and whether you have recently lost other insurance. Availability and enrollment opportunities depend on your situation.
What should I have ready for our conversation?
Bring your current coverage information, a list of questions and your priorities. For Medicare discussions, a current list of doctors and medications can help. Don’t send Medicare numbers, Social Security numbers or medical details by text.
Your next step starts here
A conversation can
make all the difference.
Tell Jim what’s changing in your life or what you’d like to understand. We’ll take it one question at a time.