Cynthia Send er - Independent Insurance Agent

Turning 65?
Simplify Your Medicare Journey

Find the right Medicare plan tailored to your needs with guidance you can trust.

Do you know your
A, B, C & D's?

Medicare plans include Part A, Part B, Part D, Special Needs Plans (SNPs), and Medicare Advantage plans. Knowing what each part does is important.
Let me help you navigate all of your options!
Medicare plans
Medicare Part A

Part A

Covers inpatient hospital care, skilled nursing facility care, home health care, and hospice care.
Medicare Part B

Part B

Covers outpatient medical care such as provider services, durable medical equipment, home health services, ambulance, therapy, mental health, and preventive services.
Medicare Part C

Part C

Medicare Advantage. An alternative way to receive Medicare benefits. Part C is the part of Medicare law that allows private health insurance companies to provide Medicare benefits.
Medicare Part D

Part D

Optional prescription drug coverage. While Medicare Part D covers your prescription drugs in most cases, there are circumstances where your drugs are covered under either Part A or Part B.

"Putting Care Back in Medicare"

Find the Medicare Plan That’s Right for You

Not Sure What You Need? Let’s Find Out Together
Medicare Advantage Plans
Get comprehensive coverage with additional benefits like vision, dental, and wellness programs.
Medigap (Supplemental Insurance)
Bridge the gap in original Medicare with plans designed to lower out-of-pocket costs.
Prescription Drug Plans (Part D)
Affordable solutions to ensure your prescriptions are covered.
What’s New in Medicare for 2025?
Stay Informed About the Latest Changes in Medicare.
How to Save Money on Your Prescription Medications with Medicare
Discover Smart Strategies to Reduce Your Healthcare Costs.
Understanding Medicare Supplement Plans vs. Advantage Plans
Compare Your Options to Choose the Best Coverage for You.
Cynthia Sender

I love educating Seniors and providing them the best solutions and options Medicare has to offer.

As a Licensed Independent Insurance Agent, I am thrilled to assist in guiding those aged 65+ in their selection of Medicare insurance plans. I am licensed, certified, and appointed to sell for multiple insurance carriers, ensuring the best possible fit.
With a passion for simplifying the complexities of Medicare, I pride myself on offering clear, unbiased guidance tailored to each client's unique needs. Whether you're exploring Medicare Advantage, Medigap, or Prescription Drug Plans, I am committed to helping you navigate your options with confidence and ease.

By partnering with multiple trusted insurance carriers, I ensure that every recommendation is aligned with your health, lifestyle, and budget. My mission is not just to sell insurance but to empower seniors with the knowledge they need to make informed decisions about their healthcare.

When I'm not assisting clients, I enjoy tennis, visting wineries, and travelling. Let’s work together to find the Medicare plan that’s right for you!

Are You Eligible?

Medicare is a Federal Health Insurance Program for US citizens or legal resident of at least 5 years age 65 or older, or under 65 with a qualifying disability, or any age with End-Stage Renal Disease (ESRD) or ALS.

Tax Credits

Have you paid enough Medicare tax credits throughout working career? 40 credits=10 years of work.

Are You 65?

If you’re turning 65 soon, you’re likely eligible for Medicare! Whether original Medicare or additional coverage options like Medicare Advantage or Medigap, I’ll help you explore and understand your choices to find the plan that fits your needs.

Do You Have a Qualifying Disability?

Individuals under 65 with certain disabilities may also qualify for Medicare benefits. I can guide you through the eligibility requirements and help you secure the coverage you need to support your healthcare journey.

Initial Election Period

Enroll when you are first eligible:
The 7-month period that begins 3 months before you turn 65, the month you turn 65, and the three months after you turn 65.

Annual Enrollment Period

Every year from October 15-December 7.
Enroll for the first time or switch plans effective January 1st

Special Enrollment Period

Enroll or switch plans due to special circumstances: A move, lost/gained coverage, plan changes, or Medicare Advantage Open Enrollment.

What people are saying...

"Cynthia is incredibly professional and took the time to explain all my options in a way that was easy to understand. She presented me with clear choices and guided me in selecting the best policy that fits both my standard of living and medical care needs. What sets Cynthia apart is her personalized approach. I couldn't be happier!"
Lisa Hunter
Client
I turned 70 last year and retired not knowing much about Medicare or my options. Cynthia was my breath of fresh air and hope. She listened to my future desires, my current health needs and created a personalized approach with options that would best cover my medical essentials. Even after enrollment she has been available for questions and clarification on how to navigate this new medical world. I highly recommend and so appreciate her
Mike Constantz
Client
If you, or anyone in your network is turning 65, Cynthia Sender is your licensed, independent Medicare agent. She will help you select the best Medicare insurance plan to suit your unique needs.

Cynthia offers Medicare Advantage Plans, Medicare Supplements and Prescription Drug Plans, and she represents multiple insurance carriers and will assist your referral with enrollment. If Medicare sounds a little confusing, it is, and what distinguishes Cynthia from other agents is her patience and knowledge both in outlining your options and answering your questions. Cynthia worked with me on a plan where I have better medical coverage than ever. And her recommendations will save me literally tens of thousands of dollars every year.

The day I signed up with Cynthia is the day I bought my new Mercedes - Rock on Cynthia!!!!
If you or anyone in your network needs Medicare, I without hesitation, recommend they call Cynthia a month or two before turning 65.
Robert Hartmann
Criminal Law Specialist

What people are saying...

"Cynthia is incredibly professional and took the time to explain all my options in a way that was easy to understand. She presented me with clear choices and guided me in selecting the best policy that fits both my standard of living and medical care needs. What sets Cynthia apart is her personalized approach. I couldn't be happier!"
Lisa Hunter
Client
I turned 70 last year and retired not knowing much about Medicare or my options. Cynthia was my breath of fresh air and hope. She listened to my future desires, my current health needs and created a personalized approach with options that would best cover my medical essentials. Even after enrollment she has been available for questions and clarification on how to navigate this new medical world. I highly recommend and so appreciate her
Mike Constantz
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If you, or anyone in your network is turning 65, Cynthia Sender is your licensed, independent Medicare agent. She will help you select the best Medicare insurance plan to suit your unique needs.

Cynthia offers Medicare Advantage Plans, Medicare Supplements and Prescription Drug Plans, and she represents multiple insurance carriers and will assist your referral with enrollment.

If Medicare sounds a little confusing, it is, and what distinguishes Cynthia from other agents is her patience and knowledge both in outlining your options and answering your questions.

Cynthia worked with me on a plan where I have better medical coverage than ever. And her recommendations will save me literally tens of thousands of dollars every year.

The day I signed up with Cynthia is the day I bought my new Mercedes - Rock on Cynthia!!!!
If you or anyone in your network needs Medicare, I without hesitation, recommend they call Cynthia a month or two before turning 65.
Robert Hartmann
Criminal Law Specialist
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Get Your Free Consultation

Take the first step toward understanding your Medicare options. Schedule your free consultation today and get personalized advice from a trusted expert. Cynthia Sender is here to simplify the process and help you make confident decisions about your healthcare coverage.
Cynthia Sender
Independent Insurance Agent
"Putting Care Back in Medicare"
I do not offer every plan available in your area. Any information provided is limited to those plans we do offer in your area. Please contact Medicare.gov or
1-800-MEDICARE to get information on all of your options.
© 2025 Cynthia Sender. All rights reserved.
License: CA # 597343 | NV # 4080758