Health, Medicare, and life insurance guidance from a local Hanover, PA agent who explains your options in plain English - no pressure, no jargon.
Get a Free QuoteIndividual, family, and small group plans from trusted carriers. We compare your options and find coverage that fits your doctors, prescriptions, and budget.
Term or whole life - we help you understand what your family actually needs and find a policy that protects them without overcomplicating it.
Turning 65 or reviewing your current plan? We walk you through Medicare Advantage, Medigap, and Part D side by side so you can choose with confidence.
No confusing paperwork, no pushy sales calls. Just a straightforward conversation about your needs and a plan that fits.
Call, email, or fill out our form. We'll set up a time to talk - by phone or in person, whichever works for you.
We pull quotes from multiple carriers and walk you through what each plan covers, what it costs, and what to watch out for.
When you find the right plan, we handle the enrollment - and we're here to answer questions long after you sign up.
Health insurance shouldn't feel like a guessing game. We compare plans from trusted carriers, explain what's actually covered, and help you avoid the surprises - high deductibles, narrow networks, out-of-pocket costs that catch you off guard. Whether you need individual coverage, a family plan, or options through the ACA marketplace, we find what fits.
Life insurance is the same way. Most people put it off because it feels complicated - but it doesn't have to be. We walk you through term and whole life options side by side, help you figure out how much coverage your family actually needs, and get you to a decision you feel good about. No pressure, no jargon.
Talk to KristyParts A, B, C, D. Advantage plans. Medigap. Drug formularies. If Medicare feels like alphabet soup, you're not alone. Kristy has helped hundreds of York and Adams County seniors sort through their options - and she'll do the same for you. We look at your doctors, your prescriptions, and your budget, then compare plans that actually cover what matters to you.
Already on Medicare and not sure if you're on the right plan? Annual enrollment runs October 15 – December 7 each year. We'll review your current coverage and let you know if you could be getting more for less. Need to fill gaps? Supplemental coverage can help. No obligation - just a straight answer.
Review My Medicare OptionsKristy Hicks provides personalized health, Medicare, and life insurance guidance to residents across York and Adams counties. Find your community below.
Real feedback from real people in the Hanover, PA community who've trusted Kristy Hicks with their health, Medicare, and life insurance needs.
Kristy and her team have been knowledgeable and professional. I am retiring in July and she has helped me navigate the medicare part B application process. Also, she has advised me on medicare supplemental policies that are available and assisted me on a selection of the most appropriate and affordable. Peace of mind is paramount and she has provided that for me through this complex process.
Brenda MedlockHad issue with Wife's Pennie, contacted Kristy, problem solved! Very professional, knowledgeable but most of all respectful, uncommon these days. Absolute pleasure to work with, I HIGHLY recommend!
Paul SavAll I can say…if you want to find the best place to help you save money and get insurance that works for you, go see Kristy and her staff. They are wizards. Top notch. Lived in Hanover all my life. This is the ONLY place to go.
Joe MahoneAfter having a career change, I needed health insurance. Kristy Hicks, hands down, was the easiest and nicest person to work with. She is so knowledgeable. Kristy is quick to answer questions, and she truly wants to help you find the best plan to fit your needs.
Jen ThomasonBeing self employed comes with lots of perks. Health insurance is not one of them. However, Kristy makes it so easy. She is knowledgeable and knows exactly how to find the coverage that's right for you. It's reasonable and worry free. We would highly recommend Kristy and her team.
Holly McCall
Kristy assisted me in obtaining Medicare coverage. Her professionalism and extensive knowledge of health insurance were evident throughout the process. I found her expertise invaluable in navigating the complexities of Medicare. I highly recommend Kristy for anyone seeking help with their health insurance needs, especially Medicare.
Don Pelaia Valued Client
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Ready to secure your insurance needs? Getting started is simple and stress-free. Contact our office to schedule a personalized consultation with us. We'll discuss your current situation, future goals, and coverage requirements. Whether you're looking for health, life, Medicare, or small group insurance, we'll guide you through the options and help you make informed decisions. We are dedicated to finding the right solutions tailored to your unique circumstances. With our expertise and commitment to client satisfaction, you'll have peace of mind knowing your insurance needs are in capable hands.
Contact UsClear, local insurance guidance
Kristy Hicks Health Insurance & Medicare helps Pennsylvania individuals, families, seniors, and small businesses compare coverage in plain language. Recommendations are based on eligibility, provider access, prescriptions, budget, and the rules that apply to each client—not on a one-size-fits-all plan.
Bring the names of the people who need coverage, dates of birth, current policies, preferred doctors, prescriptions, and an estimated budget. Medicare clients should also bring their Medicare card and current plan information.
Kristy does not charge clients a consultation fee for comparing or enrolling in the insurance products she offers. Availability, eligibility, plan terms, and carrier compensation can vary, so every recommendation is reviewed with the client before enrollment.
The premium is only one part of an insurance decision. Health and Medicare clients should also compare deductibles, copayments, coinsurance, provider networks, prescription coverage, prior-authorization rules, and the maximum amount they could pay for covered care. Life and supplemental policies should be reviewed for benefits, exclusions, duration, underwriting, and how the policy fits the financial risk the client wants to address.
A useful comparison applies the same facts to every available option. Kristy documents the client's priorities first, identifies products she is authorized to offer, and explains where plan documents or carrier tools should be used to verify an important detail. This approach helps clients distinguish a genuinely suitable option from one that simply looks inexpensive in an advertisement.
A marriage, birth, move, employment change, loss of other coverage, approaching Medicare eligibility, or business staffing change can affect insurance needs and enrollment rights. Kristy Hicks Health Insurance & Medicare reviews the effective date, applicable enrollment window, current policy, expected care, providers, prescriptions, budget, and supporting documents before discussing the next available choices.
Existing clients should also schedule periodic reviews even when nothing major has changed. Carrier offerings, premiums, provider contracts, formularies, and benefits can change from one year to the next. A review creates time to verify current information and make a deliberate decision before a renewal or annual enrollment deadline arrives.
Consumers can verify Medicare rules through the official Medicare website, Pennsylvania marketplace information through Pennie, Pennsylvania's official marketplace, and licensing or consumer guidance through the Pennsylvania Insurance Department. Kristy Hicks Health Insurance & Medicare also maintains a public HealthMarkets agent profile for Kristy Hicks. General marketplace information is also available from HealthCare.gov's official consumer resources.
A complete comparison identifies the financial risk a person or business wants to address, confirms who or what must be covered, and evaluates the contract details that could materially affect the outcome. It does not treat a quote as interchangeable with an issued policy. Product availability, underwriting, enrollment rights, benefits, exclusions, networks, and effective dates must be checked against current evidence before a client relies on them.
Begin by separating facts from preferences. Facts include ages, residence, employment, household composition, current coverage, important providers, prescriptions, business eligibility, and relevant deadlines. Preferences include budget, desired predictability, willingness to use a network, travel, benefit priorities, and tolerance for deductibles or other cost sharing. This separation makes it easier to identify a product that is both available and aligned with the client's actual priorities.
Estimate more than the monthly premium. Review the deductible, copayments, coinsurance, maximum out-of-pocket limit, prescription tiers, non-covered services, and the difference between in-network and out-of-network treatment. Compare at least an ordinary-use scenario and a high-use scenario. This helps reveal whether a plan with a lower premium transfers substantially more risk to the member when care is needed.
Provider and prescription checks require current source material. Search the plan's directory and formulary, then confirm critical participation or coverage before enrollment because contracts and drug lists can change. Record which directory, formulary, summary of benefits, or carrier document was reviewed. If an answer remains uncertain, identify it clearly instead of assuming the most favorable interpretation.
Medicare clients should list their Medicare effective dates, current coverage, doctors, facilities, prescriptions, pharmacies, travel patterns, and budget. Compare Original Medicare, Medicare Advantage, Medicare Supplement insurance, and Part D only in combinations that are legally and practically applicable. Review enrollment periods, special enrollment rights, network rules, prior authorization, formularies, premiums, cost sharing, and potential underwriting before requesting a change.
Official Medicare information and plan documents control when a summary or marketing description conflicts with them. Clients should retain confirmation numbers, applications, effective-date notices, and copies of the materials used for important decisions. An annual review should confirm that doctors, prescriptions, pharmacies, benefits, and costs still align with the coverage selected for the next plan year.
Define the obligation or expense the policy is intended to address. For life insurance, this may include income replacement, debts, education, final expenses, business obligations, or a limited period of financial dependency. Compare benefit amount, duration, premium structure, underwriting, exclusions, riders, ownership, beneficiaries, and the circumstances under which coverage can change or end.
Supplemental products should be evaluated against existing medical coverage and the specific benefit trigger in the contract. A fixed benefit is not the same as comprehensive medical coverage and may not match the full amount of an expense. Review waiting periods, definitions, benefit limits, exclusions, claim requirements, and coordination with other protection before deciding whether the product addresses a meaningful gap.
A small business should confirm employer and employee eligibility, work locations, participation requirements, contribution strategy, effective date, and the secure census information needed for a proposal. Compare the employer cost and employee cost for each coverage tier, then review networks, prescriptions, deductibles, maximum out-of-pocket limits, plan administration, waiting periods, and renewal expectations.
Benefit decisions can involve tax, employment, and compliance questions beyond an insurance comparison. Employers should use qualified tax, legal, payroll, or benefits advisers when those issues apply. Insurance guidance should clearly distinguish plan information from advice that requires another professional, and employee communications should use the final carrier documents rather than an informal summary alone.
After an application, verify receipt, outstanding requirements, approval, premium instructions, and the effective date. Do not cancel existing coverage merely because a new application was submitted. Once coverage is confirmed, store policy documents, identification cards, carrier contacts, and renewal information where the client or business administrator can retrieve them.
Kristy Hicks Health Insurance & Medicare remains available for questions, service needs, qualifying life events, and periodic reviews. A disciplined follow-up process helps identify changes early and gives clients time to verify new information before an enrollment or renewal deadline.
Review the final carrier name, product name, covered household members or employees, requested effective date, premium, payment method, and any outstanding application requirement. Confirm that names, dates of birth, addresses, and contact details are accurate. If the application depends on proof of prior coverage, income, residency, employment, or another qualifying fact, submit the requested evidence through the approved secure channel and retain confirmation that it was received.
A pending application is not the same as active coverage. Wait for formal confirmation from the carrier or applicable program, review identification cards and policy documents when issued, and verify how the first premium must be paid. Contact the office promptly if the effective date, covered people, selected product, or premium differs from what was expected. Resolving a discrepancy before care or a claim is usually easier than correcting it later.
Tell Kristy when household, employment, address, income, provider, prescription, beneficiary, or business information changes. Keep policy notices and renewal materials instead of relying on last year's summary. During a scheduled review, identify what worked, what created unexpected expense, and what is likely to change in the coming year. Accurate current information allows the available options to be compared on evidence rather than assumptions.
Before ending the review, write down the selected next step, the source used to verify each critical detail, any unanswered question, the person responsible for resolving it, and the deadline that applies. Confirm how future notices will arrive and which messages require a response. Clients should read carrier correspondence promptly, keep contact information current, and ask before ignoring a request they do not understand. This simple record reduces missed requirements and gives Kristy and the client a shared reference if circumstances or available products change before coverage becomes effective.
Keep the comparison understandable to another reader. Spell out abbreviations, identify the year and service area for time-sensitive plan information, and separate confirmed policy terms from estimates or examples. When a quoted premium depends on household, health, employment, or underwriting information, note that dependency. When provider or prescription access is important, retain the directory or formulary result and verify it again near the effective date. Clear documentation supports better decisions and makes the next annual review faster because the reasons for the original choice are still visible.
Yes. Kristy reviews available products from the carriers she represents and explains meaningful differences in cost, network, benefits, and plan rules.
Yes. Clients can contact the office with policy questions, service needs, life changes, and annual-review requests after their coverage begins.
The Hanover office serves clients throughout south-central Pennsylvania, including communities in York and Adams counties, subject to carrier and product availability.
