Curtis Griffy - Medicare Specialist

by Curtis Griffy
(Hastings, MN, USA)

Curtis Griffy

Curtis Griffy

I am licensed in Minnesota to start with. I am a Medicare Specialist for American Senior Benefits. I specialize in Medicare Supplements, Long Term Care, Annuities and Life Insurance. I am representing all insurance companies that can market insurance in Minnesota. That amounts to 90 companies as of 12/2015.

When I meet with a person coming up on their 65th birthday, I educate them about Medicare Part A, Medicare Part B, Medicare Part C and Medicare Part D. Then, I move to educate them on Medicare Supplements. Because, I have taught them to understand Medicare does not cover long term care, I move to look at options for Long Term Care Coverage. Then, I review their financial situation and their desires to see if an annuity would be a good option for them for life time income. Lastly, I have a discussion to learn what they have for Life Insurance and if there might be a need for a final expense Life insurance policy. I have in our office two financial planners, a home/auto agent and an attorney for estate planning.

I can be reached on my cell phone at 651-261-0814 for voice or text communication or e-mail me at

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Answer to Ed's Question
by: Curtis

Ed, the individual may sign up for Medicare Part B, C or D 3 months before their 65th birthday or as long as 3 months after their 65th birthday without penalty. If the person continues to work for an employer with greater than 20 employees, generally that person can delay signing up for Medicare Part B, C & D without penalty. Once the group insurance from the employer ends or when employment ends you get a special enrollment period. The special enrollment period gives the person 8 months to sign up without penalty.

Med Supps
by: Ed Ruotolo

How many months prior to a prospect turning 65
do you start the process???? 6 mons, 3mons, 1 mon...I believe a person has 7 months to sign up?
3 b4, their birth month, & 3 after????


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