Turning 65 soon?
Start Medicare with confidence
Understand when to enroll, what Parts A–D mean, and which decisions need your attention first.
Talk it throughLicensed independent insurance broker
Medicare can feel complicated.
I’ll keep it simple.
Personal, one-on-one guidance to help you understand your Medicare options and choose coverage with confidence.
- No cost
- No obligation
- No pressure
Sean A. RenfroeServing seniors since 1993
Start where you are
Medicare guidance for your next step
You don’t need to learn everything at once. We’ll focus on the decisions that matter for your situation.
Retiring after 65?
Make a smooth transition
Coordinate Medicare with employer coverage and avoid common timing mistakes as you prepare to retire.
Talk it throughAlready on Medicare?
Review what you have
See whether your current coverage still fits your doctors, prescriptions, budget, and priorities.
Talk it throughYour coverage options
Clear explanations. Thoughtful comparisons.
I’ll help you look beyond the sales language and consider what matters: your healthcare needs, prescriptions, preferred providers, travel habits, and budget.
Medicare Supplement
Learn how Medigap policies can help with certain out-of-pocket costs left by Original Medicare.
Learn moreMedicare Advantage
Explore private plans that combine Original Medicare benefits and may include prescription coverage and additional services.
Learn morePrescription Drug Plans
Compare Part D options with your medications, preferred pharmacies, and costs in mind.
Learn more
20+ yearsserving seniors
A neighbor you can call
Guidance that doesn’t end after enrollment
I’m Sean Renfroe, an independent insurance agent licensed in several states. I’ve spent my career helping seniors and their families make important decisions.
My goal is to explain your choices in plain language, answer your questions honestly, and stay available when you need help later—not simply sell you a plan and disappear.
- Personal help in person, by phone, or by video
- Independent perspective focused on your needs
- Long-term support when questions or changes arise
Local and multi-state service
Meet locally or connect from home
Local Kentucky communities: Russell Springs, Somerset, Columbia, Campbellsville, Bowling Green, Lexington, and Louisville.
Licensed in: Kentucky, California, Arizona, Nevada, Colorado, Texas, Indiana, Virginia, Tennessee, and Florida.
Southern California: (619) 630-4450
Beyond Medicare
Other ways I can help
Medicare is the heart of my work, with additional coverage options available for other stages and needs.
Travel Protection
A lifetime travel protection plan that can help return a loved one home if death occurs away from home.
Learn moreFinal Expense
Coverage designed to help families prepare for funeral and other end-of-life expenses.
Learn moreMedi-Share
Healthcare sharing options for eligible individuals and families outside Florida.
Learn moreDental/Vision/Hearing
Plans to help cover services that Original Medicare may not cover.
Learn moreFixed Annuities & Retirement Income
Explore options designed to protect retirement savings and provide predictable income.
Learn moreQuestions are welcome
Let’s make Medicare feel manageable.
A short conversation can give you a clearer idea of what to do next.
Client experiences
What clients say about Sean
Reviews for Sean Renfroe – Insurance Agent
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