The Local Michigan Insurance Team You Can Actually Trust

Coverage With Kurt is built on a simple idea: insurance should be easy to understand, and the person helping you should feel like a neighbor, not a call center. Kurt Delfin is a licensed independent health insurance broker with 25 years of insurance experience in Michigan, and his agency serves seniors and families across the state from two physical offices. Whether you are approaching Medicare eligibility or looking for health, dental, vision, or life coverage, Coverage With Kurt brings real, face-to-face guidance to every conversation. This is who Coverage With Kurt is: a local team that shops the full market on your behalf and explains every option in plain language.

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Michigan Insurance, Done the Right Way

Kurt Delfin: A 25-Year Michigan Insurance Veteran

Kurt Delfin's insurance agent experience spans a full quarter century working with Michigan seniors and families. As a licensed independent health insurance broker, Kurt is not tied to any single carrier. That independence means he can shop plans from Blue Cross Blue Shield, Aetna, Humana, UnitedHealthcare, HAP, Priority Health, Wellcare, and more to find the coverage that genuinely fits your doctors, your prescriptions, and your budget. His license number is 7460288, and his approach has always been the same: sit down face to face, have a cup of coffee, and work through your options together the old-fashioned way. For seniors who have been flooded with 20 or more sales calls a day, that calm and personal approach makes a real difference.

Three coworkers in a meeting, smiling and discussing papers at a table.

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Two coworkers smiling over a document in a bright office, with coffee cups on the table
A Real Team Behind Every Client

Kurt and Joanne: Two People Who Know Your Name

One of the things that sets Coverage With Kurt apart from national insurance portals is that you are always working with real, local people. Joanne Sumiec serves as the operational lead and first point of contact, making sure every client feels heard from the very first interaction. There are no automated phone trees or offshore representatives here. The agency operates from two Michigan offices, one in Clinton Township and one in Farmington Hills, and is available Monday through Saturday to fit around your schedule. For seniors navigating Medicare for the first time, or anyone who wants a trusted advisor rather than a sales pitch, this small-team model provides a level of accountability and warmth that larger competitors simply cannot match.

Common Questions, Honest Answers

What People Ask Before Working With Kurt

  • What does it mean that Kurt is an independent health insurance broker?

    Being an independent broker means Kurt is not employed by or exclusive to any single insurance carrier. He has access to plans from multiple top carriers in Michigan, including Blue Cross Blue Shield, Aetna, Humana, UnitedHealthcare, HAP, Priority Health, and Wellcare. That independence allows him to compare options across the full market and recommend the plan that best fits a client's specific doctors, prescriptions, and budget, rather than steering them toward one company's offerings.

  • How long has Kurt Delfin been working in insurance in Michigan?

    Kurt Delfin has been working in the insurance industry for 25 years. That tenure gives him deep familiarity with how Medicare, health, life, and ancillary insurance products work in Michigan, as well as how federal rules and plan options have shifted over time. For seniors who worry about making the wrong coverage choice, that kind of long-standing experience provides real reassurance that their advisor has seen a wide range of situations and knows how to navigate them.

  • Who is Joanne Sumiec and what role does she play at Coverage With Kurt?

    Joanne Sumiec is the operational lead and first point of contact at Coverage With Kurt. When you reach out to the agency, Joanne is typically the first person you will hear from. Her role is to make sure clients feel supported and informed right from the start, and to keep day-to-day operations running smoothly. Having a named, consistent person in that role is part of what makes Coverage With Kurt feel different from impersonal national call centers.

  • Does Coverage With Kurt have a physical office, or is everything done online?

    Coverage With Kurt operates from two physical offices in Michigan, one in Clinton Township and one in Farmington Hills. Kurt also offers home visits for clients who prefer to meet in a more comfortable setting. This face-to-face model is a core part of how the agency operates, and it is a deliberate contrast to the automated, phone-heavy approach of many national insurance companies. Clients can also reach the team by phone during regular business hours, Monday through Saturday.

  • What types of insurance does Coverage With Kurt help clients find?

    The agency covers six main insurance categories: Medicare, health insurance, dental insurance, vision insurance, supplemental insurance, and life insurance. Medicare is the primary focus, particularly for clients approaching age 65 or already enrolled. Ancillary products like dental, vision, and supplemental coverage are available to help fill gaps that standard plans may leave behind. Life insurance options include term, whole, universal, and final expense coverage.

  • Is Coverage With Kurt a good fit for someone overwhelmed by Medicare options?

    Yes. The agency was built specifically with that kind of overwhelm in mind. Many seniors in Michigan report receiving more than 20 unsolicited insurance calls per day during enrollment periods, which makes it genuinely hard to sort through options clearly. Kurt's approach is designed to cut through that noise by sitting down with clients in person, explaining each option in plain language, and helping them choose a plan that fits their real healthcare needs and budget without pressure or confusion.

  • What carriers does Coverage With Kurt work with in Michigan?

    Kurt has shopping access to all top carriers available in Michigan, including Blue Cross Blue Shield, Aetna, HAP, Humana, Priority Health, UnitedHealthcare, and Wellcare. Because he is an independent broker, he is not obligated to favor any one of these carriers. His goal is to find the plan that works best for each individual client based on their specific situation, including their preferred doctors and any prescription drug needs.