Frequently Asked Questions
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Start 3–6 months before your 65th birthday. Your Initial Enrollment Period is a 7-month window - miss it and you may face late penalties that follow you for life. We'll walk you through Parts A, B, D, Medicare Advantage, and Medigap so you understand your options before you have to choose.
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We offer health insurance (individual, family, and small group), life insurance (term and whole life), Medicare plans (Advantage, Medigap, and Part D), and supplemental coverage for dental, vision, and disability. We work with multiple carriers so we can compare real options - not just push one plan.
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Most likely, yes. Pre-existing conditions don't disqualify you - they just mean we shop more carefully. We compare rates across multiple carriers to find the best coverage available for your specific situation. Our job is to get you protected, not to talk you out of coverage.
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Yes. We specialize in small group health insurance for businesses in the Hanover area. Group plans typically offer richer benefits than individual coverage, and we customize deductibles, copays, and cost-sharing to fit your budget. A strong benefits package helps you attract and keep good people.
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Yes. Marriage, a new baby, job loss, or turning 65 all qualify as life events that let you update your coverage outside of open enrollment. We stay in touch with our clients so nothing slips through the cracks - just reach out and we'll review your options together.
What Our Clients Are Saying
Real feedback from real people in the Hanover, PA community who've trusted Kristy Hicks with their health, Medicare, and life insurance needs.
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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 Medlock - ★★★★★
Had 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 Sav - ★★★★★
All 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 Mahone - ★★★★★
After 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 Thomason - ★★★★★
Being 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
Still have questions? Contact Kristy directly — or browse all insurance services and areas served.