Lisenced Healthcare Agent

Hello, I'm Lisa Kumhala.

My services are always free, and my goal is simple: to help you understand all your options so you can choose the plan that’s truly right for you—without any pressure or confusion.

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You Don't Need To Tackle Medicare and Marketplace Insurance On Your Own

Meet Lisa

Get to know Lisa, your local independent agent who’s dedicated to making Medicare and Marketplace insurance simple, stress-free, and personalized to your needs.

Medicare Essentials

Learn the basics of Medicare—what it covers, how it works, and the key choices you'll need to make—with clear, easy-to-understand guidance to help you get started.

Affordable Marketplace Insurance

Discover how Marketplace insurance works, who qualifies, and how you can find affordable health coverage that fits your needs—with expert help every step of the way.

FREE Events Near You

Stay up to date on our FREE educational seminars, community events, and opportunities to meet Lisa and learn more about your Medicare and health insurance options.

here's what you need to know about medicare

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Detailed Plans

Expert Guidance

Collaborative Partnership

How To Get Started

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ABC and D's of Medicare

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Advantage Plans

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Supplement Plans

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Ensuring You Receive Expert Guidance

Insurance serves as a safeguard against financial loss, providing individuals and businesses with security and peace of mind. In exchange for a predetermined fee, known as a premium, one party—typically an insurance provider—agrees to compensate another party in the event of a covered loss or unforeseen circumstance.

Robust Database Storage

Effortless Access to All Projects

helping You Navigate Medicare and Affordable Health Insurance.

At Hometown Health Insurance, our mission is to empower individuals with the knowledge and support they need to make confident Medicare decisions. We’re committed to delivering personalized, honest, and compassionate guidance—every step of the way. With Lisa as your dedicated, independent agent, you're not just choosing a plan; you’re choosing peace of mind.

Trust

We believe trust is the foundation of every relationship.

personalized needs

We take the time to understand your unique needs and concerns, ensuring you get the right coverage for your lifestyle and budget.

Education

Medicare can be confusing, but it doesn’t have to be.

community focus

We care deeply about the well-being of our community and treat every client like family.

Experience

I'm here to explain your options in simple terms, so you feel confident and informed every step of the way.

Contact Lisa

We empower our customers

We are committed to inspiring and supporting our customers by providing innovative solutions, expert guidance, and personalized strategies. Our goal is to equip them with the tools and confidence they need to overcome challenges

Innovative Solutions

Expert Guidance

Expert Guidance

Collaborative Partnership

Get started with Hometown Health insurance

Need Help? You're Not Alone. Get in Touch With Lisa.

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Contact an agent to secure your medicare insurance.

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Here Are Some Frequently Asked Questions About Medicare Insurance

Reach Out To Lisa To Answer All Your Medicare Insurance Questions.
What is Medicare and who is eligible?

Medicare is a federal health insurance program primarily for people age 65 and older. It also covers certain younger individuals with disabilities or specific conditions like End-Stage Renal Disease. Lisa can help you understand if you're eligible and what your options are.

What’s the difference between Medicare Parts A, B, C, and D?

Part A covers hospital stays and inpatient care.
Part B covers doctor visits and outpatient care.
Part C (Medicare Advantage) is an all-in-one plan offered by private companies that includes Parts A & B, and often Part D.
Part D covers prescription drugs.

Lisa will break this down with you and help find the best fit for your needs.

Do I need both Medicare Part A and B?

Yes, most people enroll in both when they become eligible. Part A is typically premium-free, while Part B has a monthly premium. Lisa can explain the costs and help you make the best decision based on your situation.

What is the difference between Medicare Advantage and a Medicare Supplement (Medigap)?

Medicare Advantage (Part C) replaces Original Medicare and may offer extra benefits like dental, vision, and hearing.

Medicare Supplement (Medigap) works with Original Medicare to help cover out-of-pocket costs like copays and deductibles.

Lisa will help you compare both options side-by-side so you feel confident in your choice.

When can I enroll in Medicare?

You can enroll:

During your Initial Enrollment Period (3 months before, the month of, and 3 months after your 65th birthday)

During the Annual Enrollment Period (Oct. 15 – Dec. 7)

If you qualify for a Special Enrollment Period

Not sure where you fall? Lisa can guide you through it.

How do I get started?

It’s simple! Schedule a meeting with Lisa! She’ll walk you through everything, answer your questions, and help you find the right plan with no pressure.

Why Work with an
Independent Healthcare Agent?

Choosing health insurance is a big decision—and it helps to have someone in your corner. As an independent agent, Lisa isn’t tied to any one company or plan. That means she can offer honest, unbiased advice and help you compare multiple options from trusted carriers. Whether you're looking at Medicare or Marketplace coverage, Lisa's only priority is finding the plan that fits you best. She'll guide you through the process step by step, answer all your questions, and make sure you understand your choices.

Best of all? There’s no cost to work with Lisa. Her goal is to make sure you get the right coverage for your health and your wallet.