Happy Clients

"I think I speak for both of us: we are happy with what we have. Wes makes sorting through all the choices simple. He already has done the in-depth reading that I didn't get through and tells it to me in easy to understand language with no jargon. I was able to choose what works for me and my wallet. I recommend Wes when you want to review the Medicare and Supplement choices you have made or want to change. Call Wes!"

-- Dixie, author of "Too Many Husbands: What Doesn't Work In Love and Marriage"

dixiesubject2change@gmail.com and on Facebook

I was very surprised to learn from Wes Brummitt -- now my VERY trusted agent! -- that ALL Medicare recipients MUST have creditable prescription drug coverage, either through their employer if still working or from signing up for a Medicare Advantage plan or stand-alone Prescription Drug Plan, when they initially go on Medicare. Receiving prescription drugs from the VA or having Medicaid pay almost all costs of my medicine also meets the criteria for "creditable" drug coverage, Wes told me.

"I take only a few cheap medicines, so why should I get one?" I asked Wes. He replied that he hears that all the time.

He told me, "Because in 5 or 10 years when you REALLY need a prescription drug plan, you will buy one and be hit with a hefty penalty by Medicare for NOT having one! And that penalty will be deducted from your Social Security check EVERY month for the rest of your LIFE!"

I was totally ignorant of that law, but that's no excuse. I've been on Medicare for over 8 years and now learn that my zero-premium Medicare Advantage Plan with Prescription Drug Coverage, which I just bought from Wes, is not zero-premium for ME! Because I must pay a $34.30 monthly penalty to Medicare for NOT having drug coverage since I first went on Medicare 8+ years ago! I'm very glad I found Wes! Otherwise I'd not have the Medicare plan I need and the penalty would STILL be continuing to increase! He is a very knowledgeable, kind and professional agent. I wish I'd met him 8 years ago!

~ Margaret P., Summerlin, NV

I first met Wes Brummitt at a Toastmasters club I joined several years ago. Since we sometimes deliver speeches about our work, I learned a lot of useful information from listening to some of Mr. Brummitt's speeches. My own (former) insurance agent didn't even know half as much about Medicare and Social Security as Wes knows!

My wife has always been a housewife. She's never had any other job but raising our children and taking care of our home. I formerly thought I'd have to continue working forever, until I die, because I assumed my wife would never have any income. Then last month I heard Mr. Brummitt's speech on the subject. WOW! I learned that U.S. citizens who have never worked outside their home, can STILL get Medicare AND Social Security based on their spouse's payroll contributions to same.

In about 18 months I'll be 62 and will RETIRE! Because, thanks to Wes, I now know that not only will I receive $1,500 a month from Social Security at age 62, my wife will get 50% of that, or $750 a month, when she is 62.

This doesn't affect in any way the amount of my Social Security checks or for how long I'll receive them. This is such GREAT news, I can't understand why it isn't broadcast everywhere by every insurance company! Maybe, like my former agent, they just don't KNOW? When my wife and I go on Medicare at age 65, guess who WE will trust to help us decide which Medicare plan makes the most sense for us? You got that right: Wes Brummitt! I'm very proud to call him my friend, and I'm sure you will be, too!

~ T. Williams, Sr., North Las Vegas, NV