Our Story

At Midwest Division, we help you compare and choose among Original Medicare, Medicare Advantage (Part C) plans, Medicare Supplement (Medigap) plans, and Medicare Part D prescription drug plans.

Your Initial Enrollment Period (IEP) generally begins three months before you turn 65, includes the month you turn 65, and continues for three months after — six months total. After that, you may change plans during Annual Election Periods (AEP) or other qualifying special enrollment periods.

No — Original Medicare (Part A and Part B) covers many hospital and medical services, but there are deductibles, coinsurance and gaps. We help you understand the out-of-pocket risks and look at options to fill those gaps.

A Medicare Advantage plan is a bundled plan (offered by private insurers) that replaces Original Medicare and often includes additional benefits (e.g., vision, dental, wellness) and sometimes a cap on out-of-pocket costs.

Medigap is a private-insurance policy that works with Original Medicare to help pay for the "gaps" — like copays, coinsurance and deductibles. If you want more predictable costs, a Medigap policy may be the way to go.

Costs vary widely based on plan type, location (we serve Iowa, North Dakota, South Dakota, Nebraska), your health, and whether you take advantage of low-income subsidies. At Midwest Division, we help you compare premiums, deductibles, copays/coinsurance, and other costs so you can make an informed decision.

Yes — you typically have opportunities: Annual Election Period (Oct 15 – Dec 7 each year) to switch Medicare Advantage or Part D. Medicare Advantage Open Enrollment (Jan 1 – Mar 31) if you're already in a Medicare Advantage plan and want to switch. Special Enrollment Periods (SEPs) if you qualify (moving, dual eligibility, etc.).

Absolutely. Prescription drug coverage is a key piece of the Medicare puzzle. We help you evaluate drug plans (Part D) so your medications are covered at best cost. The official handbook notes that Part D out-of-pocket caps and benefit changes occur regularly.

If you feel overwhelmed by the options, want clear answers, live in Iowa/North Dakota/South Dakota/Nebraska (our service area) — then yes, it's wise to consult with a broker like Midwest Division. We simplify the process, compare options for you, and help you move forward confidently.

Because we're a family-owned, locally-rooted agency that treats you like family. We focus exclusively on serving seniors in our region and take the time to understand you — not just sell a plan. From our website: "solutions built to fit real lives, not just policies on paper."

Final Expense (also known as burial or funeral insurance) is a type of permanent life insurance (often whole-life) that is designed specifically to cover end-of-life costs — funeral, burial, outstanding medical bills, personal debts, etc.

Although it uses life insurance, Final Expense policies typically: Are lower face amounts (smaller benefit), often no medical exam required (just health questions), premiums are usually fixed and benefits paid when you pass (as long as premiums are current).

Possibly. Final Expense insurance can supplement existing life insurance — especially if your main policy is insufficient to cover funeral or other end-of-life costs. Yes, it may serve as a secondary policy.

It depends on the insurance company, policy type, whether all premiums were paid, and if all documentation is in order. Some pay benefits in a few days; others may take longer.

Some policies have graded benefits in the first 1-2 years (if death is by natural causes) before full benefit applies; others may be full-benefit from day one. It depends on death cause, health rating, carrier. Important to ask when reviewing quotes.

The cost depends on your age, health, face amount, and carrier. For example, some resources show typical monthly premiums of $30–$70 for modest coverage, with higher amounts if older or in poorer health.

That depends on your goals — funeral/burial costs, any debts, leaving money for loved ones, medical costs. A typical funeral may cost several thousand dollars. A discussion with us can help determine an appropriate face amount based on your budget and needs.

With many Final Expense whole-life policies, premiums remain fixed for life (as long as you pay them). That means your coverage cost today locks in future cost.

If premiums aren't paid and your policy lapses, you might lose coverage (or the benefit may be reduced). It's critical to keep up with payments so your loved ones receive the intended benefit.

Contact Midwest Division Insurance Agency — we'll walk you through the application, compare carriers, answer health question requirements, and help you select a face amount and premium that works for your budget. Because we're local in the Midwest and specialize in this market, we make the process simple and tailored.