Business Details
46 Years
experience
Expert Insurance Guidance in Mesa, AZ
At BJE Medicare, we specialize in guiding individuals through the complexities of Medicare and insurance planning. With over four decades of experience since 1980, our expertise spans Medicare health insurance, life insurance, annuities, and retirement planning. Our focus is on delivering personalized solutions tailored to seniors' unique needs, ensuring clarity in enrollment, plan selection, and long-term financial security.As an independent broker, we prioritize client education and transparency, offering free consultations to demystify insurance options. Our commitment to continuous education and adherence to regulatory standards underscores our dedication to trustworthy, client-centric service.
Services
Medicare Insurance
Life Insurance
Annuities
Final Expense Insurance
Health Insurance
Retirement Planning
Term Life Insurance
Whole Life Insurance
Medicare Supplement Plans
Enrollment Assistance
Details
- Year established: 1980
Highlights and features
- We offer 40+ years of experience in insurance and Medicare planning.
- Our consultations are always 100% free and personalized.
- We specialize in clarifying complex Medicare enrollment and plan options.
- We provide tailored retirement and annuity strategies for long-term security.
- We prioritize transparent, jargon-free communication for client confidence.
What people say
Free consultations
40+ years experience
Personalized service
Clear explanations
Retirement strategies
Services
Medicare Insurance
Medicare insurance services help seniors navigate enrollment, plan comparisons, and supplemental coverage options. Our guidance ensures clients select plans aligning with their healthcare needs and budget. With expertise in Medicare rules and enrollment periods, we simplify complex decisions for long-term security.
Annuities
Annuities provide guaranteed income streams for retirement through tax-deferred growth. We offer fixed and equity-indexed annuities tailored to individual risk tolerance and financial goals. Our advice ensures clients understand payout structures and integrate annuities into broader retirement strategies.
Life Insurance
Life insurance solutions protect families with term, whole, and final expense policies. We clarify policy riders, premiums, and coverage limits to match clients' needs. Our focus is on affordability and long-term financial security for dependents.
Health Insurance
Health insurance services include ACA-compliant plans, short-term medical coverage, and Medicaid guidance. We assist with subsidy applications and network provider selection. Our expertise ensures clients access cost-effective, comprehensive coverage for their household.
Retirement Planning
Retirement planning integrates Medicare, annuities, and social security strategies. We analyze clients' financial situations to optimize income streams and tax efficiency. Our goal is sustainable retirement portfolios resilient to market fluctuations.
People
Bernie Esberner
Independent Broker
Bernie Esberner is a seasoned insurance broker with 40+ years of experience in Medicare, life insurance, and retirement planning. He holds certifications from The American College and prioritizes client education through free consultations and clear guidance.
Questions
How do I determine the right Medicare plan?
We conduct a free consultation to assess your healthcare needs, budget, and existing coverage. We compare plan benefits, premiums, and provider networks to recommend optimal options.
Do you offer ACA-compliant health insurance?
Yes, we provide ACA-compliant individual and family plans, including subsidy-eligible options. We explain network limitations and help maximize coverage within your budget.
What annuity types do you recommend?
We offer fixed and equity-indexed annuities. Fixed annuities suit low-risk tolerance, while equity-indexed options provide growth potential tied to market indices.
Is life insurance available for seniors?
Yes, we offer final expense and term life insurance for seniors. These policies cover end-of-life costs and provide financial security for dependents.
How does Medicare enrollment work?
Enrollment typically begins at age 65. We explain eligibility, deadlines, and exceptions, ensuring timely access to benefits without penalties.
Reviews (1)
Rich Carey
Sep 16, 2020
Report
My wife and I have been using Bernie’s tax services for five years now. He has always been dependable and thorough, and we highly recommend his service performance to our friends.
