Business Details
Your Trusted Insurance Advisors in Fort Walton Beach, FL
Cornerstone Medical Care Insurance Solutions has served Northwest Florida since 2018, building on over three decades of combined experience in insurance and financial advising. Our team specializes in Medicare solutions, offering Supplemental Insurance, Advantage Plans, Prescription Drug Plans, Hospital Indemnity, and Long-Term Care coverage tailored to individual needs. We prioritize personalized service, free consultations, and competitive options from multiple providers.Rooted in Christian principles, we focus on trust, transparency, and compassionate guidance. Clients benefit from our deep local knowledge, family-centered approach, and commitment to lifelong learning, including certifications like the Certified Estate Planner designation. Our 30-year legacy reflects our dedication to resolving complex insurance challenges and protecting client wealth.
Services
Medicare Supplemental Insurance
Medicare Advantage Plans
Medicare Prescription Drug Plans
Hospital Indemnity Plans
Long-Term Care Insurance
Highlights and features
- We offer over 30 years of experience in Medicare insurance advisory services.
- Our team provides personalized consultations with a no-pressure approach.
- We represent multiple insurance companies for comprehensive coverage options.
- We prioritize Christian principles in our client relationships and business practices.
- Our professionals hold advanced certifications like Certified Estate Planner.
What people say
Compassionate help
Trusted advisors
Clear explanations
Long-term relationships
Personalized support
Services
Medicare Supplemental Insurance
Medicare Supplemental (Medigap) policies help cover out-of-pocket costs like copayments, coinsurance, and deductibles not paid by Original Medicare. These plans work nationwide and offer predictable coverage for hospital stays, medical services, and preventive care. Our advisors help clients select standardized policies that complement their existing Medicare benefits.
Medicare Advantage Plans
Medicare Advantage Plans combine Part A and Part B coverage while often including additional benefits like dental, vision, and prescription drug coverage. These network-based plans offer cost-effective solutions for clients seeking comprehensive Medicare coverage through private insurance carriers.
Medicare Prescription Drug Plans
Medicare Prescription Drug Plans provide standalone coverage for prescription medications. We help clients navigate formulary options, avoid late enrollment penalties, and coordinate coverage with existing Medicare benefits to ensure affordable access to necessary medications.
Hospital Indemnity Plans
Hospital Indemnity Plans offer cash benefits for covered hospital stays and skilled nursing care. These plans help offset out-of-pocket expenses associated with medical emergencies, providing financial security for clients facing unexpected healthcare costs.
Long-Term Care Insurance
Long-Term Care Insurance helps cover expenses for ongoing care services not typically covered by standard health insurance. Our solutions address assisted living, home healthcare, and nursing facility needs, helping clients protect their assets while securing quality care options.
People
Eric Riggenbach
Executive Director
With over 30 years in financial services since 1990, Eric holds a Certified Estate Planner designation and economics degrees. A Fort Walton Beach native, he specializes in wealth protection and has built long-term client relationships through personalized insurance solutions.
Deneen Johnson
Insurance & Care Specialist
Deneen transitioned from a corporate career to healthcare insurance after caring for her father. She combines personal experience with professional expertise to help clients navigate Medicare decisions and long-term care planning in Fort Walton Beach.
Lori McKenna
Administrative / Marketing Director
Lori brings 20+ years of marketing experience with expertise in healthcare communications. A University of Central Florida graduate, she manages business development and client outreach while coordinating the firm's community-focused initiatives.
Questions
What Medicare insurance options do you offer?
We provide Supplemental Insurance, Advantage Plans, Prescription Drug Plans, Hospital Indemnity, and Long-Term Care coverage tailored to individual healthcare needs.
How can I choose the right Medicare plan?
Our advisors analyze your specific needs, current coverage, and budget to recommend customized solutions that optimize your Medicare benefits.
Do you offer free consultations?
Yes, we provide free phone consultations to help you understand Medicare options and make informed insurance decisions.
Are you available for local clients?
We serve Northwest Florida residents in person and offer remote consultations for clients statewide.
Reviews (1)
P. Wood
Sep 11, 2014
Report
When I became disabled, I entered a whole new world of insurance. I became eligible for Medicare two years after I started SSDI. I thought "Oh, Now I have Medicare, everything would be taken care of.I don't have to do anything" WRONG- I found Medicare doesn't cover my medications, all of my medical bills...I was so confused.
Luckily I found this local group of agents here in FWB. They asked me my needs: medical bills, how many doctors visits, what medications and so on. My agent, Eric, quickly showed me the different plans and how much they cost. He drew pictures and presented charts to show me
Luckily I found this local group of agents here in FWB. They asked me my needs: medical bills, how many doctors visits, what medications and so on. My agent, Eric, quickly showed me the different plans and how much they cost. He drew pictures and presented charts to show me
