About James Michael Kaufer
I'm an independent Medicare and life insurance broker based in Southern Indiana, working with clients across Kentucky & the surrounding region. Most people know me as James Kaufer.
What I do
I help people make sense of Medicare and choose coverage that fits their doctors, their prescriptions and their budget. My work covers Medicare Advantage, Medicare Supplement, prescription drug coverage, hospital indemnity coverage, life insurance and final expense coverage.
I'm independent. Instead of representing one insurance company, I compare options from the plans I represent and explain the trade-offs honestly, including when the plan you already have is still the right one.
You can see the full scope of my Medicare and insurance work here.
Millennial Life Group LLC
I do this work through Millennial Life Group LLC. Clients work with me directly; the agency is the licensed business behind that relationship.
My National Producer Number (NPN) is 15374945. You can look up an agent's license status through your state's department of insurance.
Education comes first
Medicare has a lot of moving parts, and most people are never really taught how it works. I'd rather spend the time explaining Parts A, B, C and D, how networks work, and what a drug formulary is than rush anyone into a decision.
That's why I write Medicare education, and why I keep a separate Medicare guide. When people understand their options, they make better decisions and feel better about them. Browse my Medicare education.
An annual review, every year
Medicare plans can change every January: premiums, copays, drug lists and networks. Every Annual Enrollment Period, I review my clients' coverage to make sure they're still on the plan that best suits their needs.
Many of those reviews end with “you're fine, stay put.” That's a good outcome. The point is knowing, not switching. I explain my reasoning in why I believe Medicare plans should be reviewed every year.
Year-round service
Questions don't wait for October. If a claim looks wrong, a prescription needs approval or a card never arrives, my clients call me. Agent for life isn't a slogan to me; it's how I've built my book of business over the years.
Rooted in Kentucky & the surrounding region
I'm based in Southern Indiana and work with many clients around Louisville and on the Indiana side of the Ohio River. Here, it's normal to live in one state and see doctors in the other, so checking networks on both sides of the river is a routine part of how I work.
I meet clients face to face whenever I can. For clients farther away, phone appointments work well.
How I work
Straightforward and personal. I'll tell you what I'd want to know if I were in your seat, including the downsides of a plan. I won't pressure you, and I won't make promises about savings or benefits that depend on plan details I can't control.
No pressure. No pitch. Just a local agent.