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Medicare Supplement
A Medicare Supplement (Medigap) insurance can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Advantage
Medicare Advantage offers healthcare options that are part of the Medicare program. Coverage may include prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
Medicare Part D
Medicare Part D (PDP) is a federal Prescription Drug Plan that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Term/Whole Life
Protects your family from devastating financial losses that could result if something happened to you.
Final Expense
Final Expense helps your family cover the expenses of your funeral, burial and potentially other outstanding expenses.
Dental Insurance
Dental coverage helps with routine cleanings and comprehensive dental services.
Get help reviewing your current plan and get information on what else might be out there for you. We will provide you with unbias, objective analysis and recommendations.
Important information about Medicare Plans: Medicare has not endorsed or reviewed this information. We are not associated with any United States Government or State agency. We do not provide every plan available in your area. The information we offer is limited to the plans we have available in your area.
This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.
Kelli has been proudly helping Virginia residents navigate Medicare since 2005. She specializes in educating and counseling on all of the various options available to Medicare recipients, as Baby Boomers aging in, U.S. Veterans, and those on Disability and/or Medicaid. Her expertise in the field has resulted in nearly a thousand trusting client relationships, reached through honesty, mutual respect, and integrity. She strives to provide clients with the best customer service experience with continued support from day one and beyond. Kelli takes pride in being ethical and engaging in order to do a complete needs analysis for each individual to determine which plan is the best fit for each. She holds a Life, Health, and Annuities license in VA, WV, KY, and NC. She is passionate about helping her parents generation navigate through what can be a very confusing decision. "It is so gratifying and fulfilling to build relationships with my clients and give back to the Greatest Generation, one which has given me so much." Kelli grew up in the Shenandoah Valley and is a devoted Mother to her daughter and loves spending time with family and friends.


About Nicole Fredrichs
Helping others is at the very core of who I am. I know that choosing a Medicare plan can feel overwhelming, stressful, and deeply personal. That is why I build my practice on compassion, patience, and clear education. As a licensed agent in Oregon, Idaho, and Virginia, my goal is to make your transition into Medicare as smooth and stress-free as possible. My service to you does not stop once your enrollment is complete. Once we find your plan, I remain your dedicated agent. I will always be just a phone call away to answer your plan-related questions, review your coverage year after year, and ensure you always feel supported. When I am not helping clients navigate their healthcare, you can find me spending quality time with my family, out on a run, or whipping up something delicious in the kitchen.

