Medicare Advantage plans
All-in-one Part C plans that combine hospital and medical coverage, and often drug coverage, through a private insurer.
Medicare · Life · Retirement · West Virginia
Coverage choices, explained by someone right here at home.
I'm Kristi Winters, a licensed insurance agent with Mountain State Benefits Advisors. I'll sit down with you, look at your doctors, prescriptions and budget, and walk through the options I offer in plain language. You make the decision on your own time.
Let's review your coverage options!
No cost to talk. No obligation to enroll.
Kristi WintersLicensed Insurance Agent
Annual Enrollment
October 15 – December 7, 2026. This is the yearly window to review or change Medicare Advantage and Part D drug coverage. Changes take effect January 1, 2027.
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How I can help
Coverage for this stage of life
We only discuss the products you choose to talk about. If you'd like to cover more later, we'll set that up separately.
Prescription drug plans
Stand-alone Part D coverage. We check your exact medications, doses and pharmacy against each plan's drug list.
Medicare Supplements
Medigap policies that work alongside Original Medicare to help with deductibles, copays and coinsurance.
Life insurance
Including final expense coverage, so the people you love aren't left with the bills. Handled in its own appointment.
Annuities
Options for turning savings into steady, predictable income in retirement.
Ancillary coverage
Dental, vision, hearing and other supplemental policies that fill the gaps Medicare leaves.
What to expect
How a plan review works
By phone, video or in person. You're welcome to bring a family member or someone you trust.
- 1
You reach out
Call or email when it suits you. I won't cold-call you about Medicare plans.
- 2
We agree on topics
Before we meet, we write down which types of coverage you want to discuss, so the conversation stays on what you asked for.
- 3
We compare options
We look at your doctors, prescriptions and pharmacy against the plans I represent in your county, including costs and trade-offs.
- 4
You decide
Take all the time you need. There's no pressure to change anything, and keeping your current plan is always an option.
- No cost to talk
- No obligation to enroll
- Bring someone you trust
- Phone, video or in person
Before we meet
What to have handy
Gather these and our review goes quicker. Missing something? We can still talk.
- Your red, white and blue Medicare cardPlus any current plan ID cards.
- A list of your prescriptionsName, strength and how often you take each one.
- Your doctors and specialistsNames and the office locations you visit.
- Your preferred pharmacyIncluding mail-order, if you use it.
- Any letters from your current planSuch as the Annual Notice of Change mailed each fall.
After you enroll
I'm still here all year
Enrolling is just the start. Call me whenever something comes up.
- Billing questions
Understanding a bill and contacting your plan or provider.
- Finding a doctor
Checking whether a doctor accepts your plan and is taking new patients.
- Prescription coverage
Reviewing your plan's drug list, costs and coverage requirements.
- Plan letters and next steps
Help reading coverage documents and reaching member services.
Meet your agent
Kristi Winters
I'm a licensed insurance agent based in West Virginia and part of Mountain State Benefits Advisors. Medicare has a lot of moving parts, and the rules change every year. My job is to make it understandable, answer your questions truthfully, and stay reachable long after the paperwork is done.
I'm an independent agent. I'm not calling from Medicare or any government agency, and you can look up my license through your state's Department of Insurance at any time.
Licensed in
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Medicare insurance. Done right.
Let's find a time to talk
Call or email with your questions. If you have friends or family with insurance questions, you're welcome to share my information.
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