Insurance questions deserve clear answers.
State of Franklin Insurance helps individuals and families understand Medicare, health, life, and dental coverage without making the process harder than it needs to be.
Understand the choices before you choose a plan.
Medicare is more than “Part A and Part B.” The way you receive your benefits can affect provider access, prescription coverage, out-of-pocket costs, and what happens if you want to change later.
Medicare Basics
Parts A, B, C and D, plus the two main ways people receive Medicare coverage.
Medigap vs. Medicare Advantage
A practical side-by-side explanation of how these two approaches differ.
Enrollment Periods & SEPs
Initial enrollment, annual enrollment, Medicare Advantage Open Enrollment, Medigap enrollment, and common special situations.
Turning 65
A timeline for people approaching Medicare eligibility, including working past 65.
Prescription Drug Coverage
Part D, formularies, pharmacies, creditable coverage and late-enrollment considerations.
Talk With Mike
Have a specific situation? Call State of Franklin Insurance for one-on-one guidance.
Local. Personal. Experienced.
I’m Mike Moncier, CEO of State of Franklin Insurance. We’ve been helping people in Tennessee with insurance decisions since 1987.
Insurance changes, but the goal stays the same: understand your options before you make a decision.
Meet MikeHave a Medicare deadline coming up?
Enrollment windows can be different depending on whether you are new to Medicare, leaving employer coverage, already in Medicare Advantage, or experiencing a qualifying life event.
Review enrollment periodsHave a quick insurance question?
Ask Mike Moncier, your local Tennessee insurance agent. You don’t need your paperwork to get started.