Independent insurance agency · Downtown Cedar Rapids, Iowa
Plain answers. Honest cover.
Medicare, health, life, home and car insurance, compared side by side and explained in plain English. Oakmere Insurance Agency is not tied to one insurer, so its agents can say which plan fits, and which does not.
Cover for a rainy day, compared side by side.Enlarge the detail
Medicare, health and life insurance
Whether you are turning 65, self-employed or starting a family, it begins with a 20-minute call about who and what you need to cover. Three of the five services:
Medicare
Original Medicare, Medicare Advantage, Medigap and Part D, checked against your doctors.
No-costMedicare review
Health insurance
Individual, family and Marketplace plans, plus small-business group health, dental and vision.
Freeplan comparison
Life insurance
Term life, whole life, final expense and mortgage protection, sized to what your family needs.
Freeneeds review
Several insurance companies, one honest comparison
Because Oakmere is not tied to one insurer, its agents can say which plan fits, and which does not. Agents are paid by the insurer, so a Medicare review costs you nothing. Clients get the same agent every year, a review before each renewal, and someone to call when it is time to make a claim. No jargon, no pressure and no hard sell.
From first call to yearly check-in
Every client follows the same four steps, from the first conversation to the review each year. Nothing is signed until you have chosen.
01
Talk it through
A 20-minute call or visit about who and what you need to cover: in the office, by phone, by video call, or at home for Medicare clients who prefer it.
02
Compare side by side
Oakmere quotes several insurers and shows the plans on one page: cost, cover, deductibles, doctors and drugs, so the differences are plain to see.
03
Choose and enrol
You pick the plan that fits. Oakmere handles the forms and the start date, and the same agent stays your contact afterwards.
04
Yearly check-in
A review every year before renewal, and help on the phone if you ever need to make a claim.
What Oakmere helps protect
Health, Medicare and family cover, compared side by side before anything is signed.
Health insurance, checked against the doctors you see.
Reviewing a Medicare plan, line by line, with notes.
Prescription drug plans, compared before anything is signed.
Four licensed agents, one office
A founder and principal agent, a Medicare specialist, a health and life agent and a home and car claims advocate share one office, so every line of cover has an agent who knows it well.
Margaret Hale
Founder and principal agent
Licensed in property, casualty, life and health insurance. Margaret has 25 years in insurance and started Oakmere in 2009, comparing several insurers for every client from the first day.
Daniel Ortiz
Medicare specialist
Certified with Medicare plans every year. Daniel runs Oakmere’s “Turning 65” evenings at the Cedar Rapids library and checks each client’s doctors and prescriptions against every plan.
What Cedar Rapids clients say
Daniel sat with me for an hour and compared every Medicare plan my doctors take. I finally understand what I’m paying for.
Linda R., Marion
Our home and car were with two different companies. Oakmere bundled them and our cover actually got better.
Mark and Jen S., Cedar Rapids
When the hailstorm hit our roof, Tom handled the claim with us from the first call to the final cheque.
Carol P., Hiawatha
Costs, Medicare dates and plan changes
Does it cost anything to use an independent agent?
No. Oakmere is paid a commission by the insurance company you choose, so the review, the quote and the yearly check-in cost you nothing extra.
When can I sign up for Medicare?
Your Initial Enrollment Period runs for seven months: the three months before the month you turn 65, that month, and the three months after. Oakmere recommends starting the conversation about three months ahead.
Can I change my Medicare plan later?
Yes, during the Annual Enrollment Period, 15 October – 7 December, and in some other situations. Oakmere reviews your plan with you every autumn.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage replaces Original Medicare with a private plan, often with a network and extra benefits. A Medigap plan sits on top of Original Medicare and pays some of the costs it leaves. Oakmere explains which fits your doctors and budget.
Talk it through with Oakmere
Tell Oakmere who and what you need to cover. The reply offers a time for a 20-minute call or a visit to the office.
The price includes 5 hours of extra work to change the colours, the font family and the font size, add or remove pictures and paragraphs, and add visual effects and other tweaks. The design is 100% finished before anything is paid. Guaranteed.
