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.

Michigan Insurance Help

Your Questions, Answered Plainly

  • What is the difference between Medicare Advantage and a Medicare Supplement plan?

    Medicare Advantage (also called Part C) is an all-in-one plan offered by a private insurer that replaces your Original Medicare coverage and often bundles in dental, vision, and drug coverage. A Medicare Supplement (Medigap) plan works alongside Original Medicare to help cover out-of-pocket costs like copays and deductibles. The right choice depends on factors like your preferred doctors, your prescriptions, and how much predictability you want in your monthly costs. Kurt reviews both options with you so you can choose coverage that fits your healthcare needs and your budget.

  • When can I enroll in Medicare, and what happens if I miss the deadline?

    Most people become eligible for Medicare at age 65. Your Initial Enrollment Period is a seven-month window that starts three months before your 65th birthday month and ends three months after it. If you miss this window without a qualifying Special Enrollment Period, you could face late-enrollment penalties that raise your premiums permanently. The Annual Enrollment Period (AEP), which runs each fall, is when existing Medicare beneficiaries can switch or adjust their plans. Kurt works with Michigan seniors specifically to make sure enrollment timing does not catch anyone off guard.

  • How does health insurance work for people under 65 who are not yet eligible for Medicare?

    If you are under 65, you can shop for individual or family health insurance through the ACA marketplace or through private carriers. Coverage With Kurt provides personal guidance to compare plan options across top Michigan carriers, including Blue Cross Blue Shield, Aetna, HAP, Humana, Priority Health, UnitedHealthcare, and Wellcare, so you can enroll in a plan that fits both your healthcare needs and your budget. Kurt is an independent agent, which means he shops the full market rather than pushing a single carrier's products.

  • What does supplemental insurance cover that a main health plan does not?

    Supplemental insurance is add-on coverage designed to help with the gaps your primary plan leaves behind, things like copays, deductibles, hospital stays, and other out-of-pocket costs. For seniors on fixed incomes, these unexpected expenses can be a real financial strain. A supplemental policy helps create a more predictable financial picture so a sudden medical bill does not derail your budget. Kurt reviews your existing coverage and identifies where the gaps are before recommending any supplemental product.

  • Does Kurt only recommend plans from one insurance company?

    No. Kurt Delfin is an independent agent with access to all top carriers in Michigan, including Blue Cross Blue Shield, Aetna, HAP, Humana, Priority Health, UnitedHealthcare, and Wellcare. That independence means he shops the entire market to find the plan that fits your specific doctors, prescriptions, and budget, rather than being limited to one company's lineup. This is one of the key differences between working with Kurt and calling a single carrier's 800 number.

  • Is medical information collected when I fill out a form on this website?

    No. Standard web forms on this site are restricted to basic contact information only, such as your name, phone number, email address, and the type of coverage you are interested in. Physician names, prescription details, and other medically sensitive information are never collected through standard site forms. If that kind of detail is needed to help find the right plan for you, Kurt will walk you through a separate, secure process designed specifically to handle sensitive health data in a compliant way.

  • What types of life insurance does Kurt help clients with?

    Kurt helps clients sort through term life, whole life, universal life, and final expense coverage. Each type serves a different purpose: term life provides coverage for a set number of years, whole life builds cash value over time, universal life offers more flexibility in premiums and death benefits, and final expense policies are designed specifically to cover end-of-life costs like funeral expenses. Kurt's role is to understand your family's financial situation and help you choose the option that makes the most sense, without pressure or confusing sales language.

  • How is working with Coverage With Kurt different from calling a national insurance hotline?

    The biggest difference is that Kurt is a local Michigan agent with 25 years of experience, two physical offices, and a real team behind him. Joanne Sumiec serves as the first point of contact and is a consistent, named person you can reach. National call centers often route seniors through automated systems or rotate through different representatives. Kurt's approach is built around face-to-face meetings and personal conversations, the kind of guidance that makes complicated insurance easier to understand, without high-pressure tactics or the volume of unsolicited sales calls many seniors report experiencing.

Still have questions? We're here to help — contact us today or give us a call!