Medicare Group Benefits About Carene Free Consultation

Serving Kansas & Beyond

Your Medicare & Benefits Guide,
Not Just a Broker

Turning complex health coverage decisions into clear, confident choices — for individuals approaching Medicare and businesses building great teams.

Explore Medicare Options Benefits for My Business

Turning 65 Soon?

See All Your Options — No Pressure

Medicare decisions can feel permanent. Let's walk through everything together before you enroll so you pick the plan that actually fits your life and budget.

1
Review your doctors, prescriptions & budget
2
Compare Medicare Advantage, Supplement & Part D
3
You choose — I handle all the paperwork
Independent Broker — Multiple Carriers
No Cost to You for Medicare Guidance
Annual Reviews Always Included
Group Benefits Specialist
Carriers I Work With
Carrier A
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Carrier E
Carrier F

What I Do

Services Tailored to You

Whether you're an individual navigating Medicare or a business building a benefits package, I've got you covered.

PRIMARY
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Medicare Planning

Medicare Advantage, Medigap Supplements, and Part D Prescription plans — compared side by side, explained in plain English. No jargon.

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Group Health Benefits

Help your team understand and truly appreciate their benefits. Attract and retain great employees with a package that fits your budget.

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Individual Health

On or off the Exchange — find coverage that actually fits your life, whether you're self-employed, between jobs, or just need a better plan.

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Supplemental & Voluntary

Life, dental, vision, and worksite benefits that protect what your employees work hard to build — often at no direct cost to the employer.

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The Process

How It Works

Simple, honest, no surprises.

1

Let's Talk

A quick call or coffee — tell me about your situation, your health, and your goals

2

I Do the Homework

I shop multiple carriers to find the plans that genuinely fit — not just the ones I get paid most to sell

3

Clear Comparison

You see real options in plain terms — no jargon, no pressure, just what's right for you

4

Ongoing Support

Annual reviews every year to make sure your plan still makes sense as life changes

Carene Cougill, Agency Owner
Carene Cougill
Agency Owner & Licensed Broker

About Carene

Passionate About Benefits That Actually Work

I started Cougill Health & Benefits because I believe people deserve to truly understand their options — not just check a box during open enrollment and hope for the best.

When employees understand their benefits, they value them more. When individuals understand their Medicare options, they make decisions they won't regret for years. That's what I'm here for.

As an independent broker, I work for you — not any single insurance company. I shop across multiple carriers to find what genuinely fits your needs and budget. And I'm always just a phone call away when questions come up.

Medicare Specialist Independent Broker Group Benefits Benefits Education Life Insurance
Common Question

Is Working With Carene Free?

Yes — my services are always free to you. As a licensed broker, I'm compensated directly by the insurance carriers when you enroll in a plan. That means I can shop the market, compare your options, and guide you through the entire process at absolutely no cost to you.

And because I'm independent — not tied to any single carrier — I have every reason to find the plan that's actually the best fit for your needs and budget. Not the one with the biggest commission check.

Client Stories

What Clients Are Saying

Real people, real results — and no pressure along the way.

★★★★★

"Carene walked me through every Medicare option without making me feel rushed or overwhelmed. I finally felt like I actually understood what I was signing up for."

Linda M.
Retired Teacher, Kansas
★★★★★

"As a small business owner, I had no idea where to start with employee benefits. Carene made it simple — and our team genuinely appreciates what we built together."

Tom R.
Small Business Owner
★★★★★

"I was honestly dreading turning 65. One conversation with Carene and everything clicked. She's the kind of person you trust right away — and she delivers."

Sandra K.
Wichita, KS

Get in Touch

Let's Talk Coverage

Whether you're turning 65 next month or building a benefits package for your team — reach out and let's figure out what actually makes sense for you. No pressure, no sales pitch.

📞 (000) 000-0000
✉️ carene@cougillbenefits.com
🌍 Serving Kansas & Beyond

No obligation. I'll be in touch within one business day.

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Message Received!

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