An Independent Medicare Broker Who Works for You, Not a Carrier
I'm Bill Lawler, an independent licensed insurance agent specializing in Medicare and senior insurance products. I'm not captive to any single carrier, which means when you sit down with me, I'm shopping the full market on your behalf — not steering you toward whatever plan pays the highest commission.
Medicare is one of the most consequential decisions you'll make for your health and your finances. You deserve someone who takes that seriously.
How I Actually Help You Choose a PlaN
Before I recommend anything, I research your specific situation. I check whether your doctors are in-network, whether your prescriptions are covered under each plan's formulary, and how your total out-of-pocket costs compare across your real options. That process happens before any enrollment conversation, not after.
Most people don't realize how much variation there is from plan to plan — and how much that variation matters when you actually need care. My job is to make sure you're not surprised later.
Independent Means I Work for You
Being an independent broker means I hold contracts with multiple carriers, so I can compare Medicare Advantage plans, Medicare Supplement (Medigap) policies, and Part D prescription drug plans side by side. I'm not tied to one company's lineup.
My compensation comes from the carrier whose plan you choose — not from you. Your premium is identical whether you enroll through me or go directly to the carrier. Working with me costs you nothing.
Licensed in Missouri, Illinois, Iowa, Ohio, Michigan, Louisiana, Texas, Florida, and Maine
Serving clients virtually — no home visit required
Familiar with the distinct Medigap switching rules in Missouri and Illinois that many brokers overlook
One broker, one relationship — you reach me directly, every time
You Get Me — Every Call, Every Year
I run a solo practice. There's no call center, no hand-off to a junior associate, no rotating team of agents. When you call or message, you hear back from me. When your plan renews or your situation changes, I'm the one reviewing it with you.
That kind of continuity matters in Medicare. Plans change annually, and having someone who already knows your doctors, your medications, and your coverage history makes those annual reviews faster and more useful.
Ready to Talk Through Your Options?
A 15-minute call is enough to get a clear picture of where you stand and what your next step should be. There's no pressure and no obligation — just a straightforward conversation about your situation.
