About

Employers

Employers

Medical Insurance

Attract & retain your organization’s top talent with our plan offerings.

Ancillary Coverages

Competitive dental, vision, life, critical illness, and other plans to protect your employees and their families.

Human Resources

Extensive resources to help you remain compliant and make an impact with your employees.

Compliance

Build an easy to update Employee Handbook to explain your company’s policies and procedures.

Retirement

Give your employees the tools to save and prepare for their futures.

Employer Resources

Stay on top of legislative and market changes in the insurance industry.

Get the best bang for your buck on benefits in 4-6 weeks

Get a tailored benefits strategy to best attract talent in your business, implementable with ease

  • Stand out from competition by offering carefully selected benefits that uniquely appeal to your team at little to no extra cost
  • Conserve your budgets with less expensive benefit plans with just as much or more value than what other brokers may have sold you
  • Cut your tax burden with strategies that legally keep the IRS away from your and your employees’ hard earned dollars
  • Get full appreciation from employees and candidates with effective education that fully shows them all the value your benefits provide

Book Your Free Benefits Maximizer Assessment

Seniors

Seniors

Medicare Basics

We make insuring yourself on Medicare simple, comprehensive, and cost effective.

Choosing A Medicare Plan

Get expert advice to help you choose a plan that best suits your needs.

Long Term Care

Protect yourself from the costs of assisted living, nursing homes, or home health care.

How & When To Apply for Medicare

Understanding how and when you can enroll is an integral part of choosing complete coverage.

Life Insurance

Provide your loved ones with a cash benefit as an inheritance, income replacement, or to pay expenses after you pass.

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Medicare Resources

We have spent a ton of time sifting through Medicare resources and have compiled the most important ones here.

Free Download!

Download Our Medicare E-Book

In this book, we break down Medicare into easy-to-understand components so you can make a confident decision about your coverage.

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Commercial

Become an Agent

Become an Agent

Why Buffer?

At Buffer, it’s our purpose to make a meaningful impact in the lives of others. Learn more about the opportunity to become an independent insurance agent.

Market Opportunity

The demand for an insurance advisor is higher than it’s ever been. Entrepreneurs like you have an opportunity to create reliable, continuous income.

Agency Ownership

Don’t let your success wait any longer. We have assembled the tools, coaches, and resources to help you reach new heights.

Contact

SENIORS

Medicare Checklist

What to do to get prepared for Medicare.

Medicare can be complex, but our checklist has everything you need to get ready to enroll. You can also download the Medicare Checklist here.

6 Months Before Turning 65

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Explore the ABCD’s of Medicare
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Read about the Part A & Part B
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Read about Part C
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Read about Part D
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Read about Medigap
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Does your work history (or current/former spouse’s) qualify you for coverage?
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Learn how other coverage works with Medicare.
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Make sense of the costs of Medicare.
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Read about Parts A & B costs
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Read about Part C costs
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Read about Part D costs
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Read about Medigap costs
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Learn about getting help with costs
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Understand your enrollment options.
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Plan to enroll on time to avoid penalties and delays in coverage, depending on when is best for you.
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If you plan to enroll in your Initial Enrollment Period, set a reminder for yourself for 3-months before your 65th birthday.

4 Months Before Turning 65

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Compare plans for coverage packages
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Calculate costs per month/year for:
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Premiums
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Deductibles
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Copays & coinsurance

3 Months Before Turning 65

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Enroll in Part A during your Initial Enrollment Period. You should also enroll in Part B unless you are eligible for a Special Enrollment Period.
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Confirm receipt of Medicare card(s).

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Talk to a benefits advisor to get detailed information about plans.
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Make sure to ask these important questions:
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Will I have to choose hospital and healthcare providers from a network?
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Will my doctors accept the coverage? If not, are there doctors near me who will?
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Will I need referrals to visit specialists?
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Will the plan cover me if I get sick while traveling in another state?
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What will my prescription drugs cost?
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Are my drugs on the plan’s drug list (or formulary)?
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Does the plan include the pharmacies I currently use?
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Can I get my prescriptions through the mail?
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Does the plan have a good quality rating?
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Make your decision.

Assistance on Standby.

Don’t go at this alone. Our benefit advisors are standing by to assist you along the way.

GET HELP WITH MEDICARE