Medicare & Health
Understand coverage choices, enrollment timelines, and common out-of-pocket costs.
Explore Medicare & Health →
Insurance education with purpose
Protection begins with understanding.
Clear answers. Thoughtful guidance. Insurance options built around what matters to you and the people you love.
Michigan-based • Educational approach • People-first service
01
Listen first
Your goals and questions guide the conversation.
02
Explain clearly
Understand the options without the jargon.
03
Choose confidently
Make decisions with information, not pressure.
How we can helpCoverage for life's
Coverage for life's
important chapters.
Whether you're preparing for Medicare, protecting loved ones, or arranging notary services, we're here to make the process easier to understand.
Life Insurance
Explore protection designed to help you plan for the people who depend on you.
Explore Life Insurance →Notary Services
Get organized for a document-signing appointment with clear expectations.
Explore Notary Services →
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More than coverage. Confidence.
The FLA approach
Insurance can be complex. Our approach isn't.
We believe every person deserves time to ask questions and understand what their coverage can—and cannot—do.
- Answers in everyday language
- Attention to your individual needs
- Education before decisions
Simple process
Let's make the next step easy.
01
Connect
Tell us which service you'd like information about.
02
Learn
Review your questions, options, and important considerations.
03
Decide
Move forward at your own pace, with the information you need.
Medicare & Health Insurance
Medicare made clear.
Turning 65? Already on Medicare? Start with the basics, understand your coverage, and know when to review your choices.
Start here
The four parts of Medicare.
A quick guide to help you recognize what each part generally covers.
A
Hospital InsuranceInpatient hospital care and certain other qualifying services.
B
Medical InsuranceDoctor visits, outpatient care, preventive services, and more.
C
Medicare AdvantageA Medicare-approved private plan alternative to Original Medicare.
D
Drug CoveragePrescription drug coverage through eligible private plans.
Compare the pathways
Two common ways to receive your Medicare coverage.
Original Medicare generally includes Parts A and B. You may add separate Part D coverage and, if eligible, Medigap. Medicare Advantage plans provide Medicare benefits through private plans and often include Part D.
- Review doctors and hospital access
- Compare premiums and out-of-pocket costs
- Check prescription coverage and restrictions
Medigap helps with certain out-of-pocket costs under Original Medicare. It is not used with Medicare Advantage.
Know your
options.
options.
Turning 65New to Medicare? Still working? Already enrolled? What about Medigap?
Timing matters.
Many people have a seven-month Initial Enrollment Period around their 65th birthday. Some qualify for automatic enrollment or special enrollment rules.
Employer coverage can affect when you should enroll. Rules may differ based on the employer and type of coverage, so check before delaying Part B.
October 15–December 7 is the annual Medicare Open Enrollment Period for making eligible plan changes, generally effective January 1.
Medigap has separate enrollment protections and rules, and switching policies later may involve medical underwriting in some situations.
Popular questions
Your questions, answered.
Does Medicare cover everything?
No. Coverage and costs depend on your Medicare arrangement and the services you use. Review deductibles, copays, coinsurance, exclusions, and provider access.
What is the difference between a premium and a copay?
A premium is what you pay to keep coverage active. A copay is a fixed amount you may pay for a covered service.
Can I keep my doctor?
That depends on the type of coverage and, for certain private plans, provider networks. Confirm directly with the plan and the doctor's office.
How do I know whether my prescriptions are covered?
Check the plan's current drug list (formulary), drug tier, pharmacy network, and any coverage rules.
Can a claim be denied?
Yes. You can ask for an explanation and explore the plan's or Medicare's applicable appeal process.
Medicare disclaimer: We do not offer every plan available in your area. Currently we represent 3 organizations which offer 18 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. Frontline Agency Inc. is not affiliated with or endorsed by Medicare or the U.S. government.
Life & Protection Coverage
Care for today. Protection for tomorrow.
Life insurance can be one part of planning for the people who depend on you. We have been helping Michigan families with life insurance since 2023.
Plan with purpose
People first. Policy second.
The starting point isn't a product. It's understanding what you want to protect, how long coverage may be needed, and what fits your budget.
- Consider your family's financial needs
- Understand premium and benefit trade-offs
- Review policy terms and exclusions
Know your optionsTerm Life Insurance Final Expense Insurance Hospital Indemnity Coverage Long-Term Care Insurance
Different goals. Different coverage.
Generally provides coverage for a chosen period, subject to the policy's terms. Often considered for time-limited financial responsibilities.
Coverage designed to help pay funeral, burial and other end-of-life costs, so your loved ones are not left with the bill.
Pays a fixed cash benefit directly to you for covered hospital stays or other covered events. You choose how to use it, such as deductibles, copays or everyday bills. It is not health insurance and does not replace Medicare or other major medical coverage.
Helps pay for ongoing care when you need help with daily activities like bathing or dressing, at home or in a care facility. Medicare generally does not cover most long-term custodial care.
Coverage is subject to eligibility, underwriting, exclusions, carrier availability, and the actual policy contract.
Questions worth asking
What matters before you buy?
How much coverage could I need?
Consider who relies on your income, debts and final expenses, available savings, and the amount of financial support you'd like to leave.
What determines my premium?
Factors may include age, coverage amount, policy type, underwriting, and other carrier criteria.
Can my needs change over time?
Yes. Major life changes are good opportunities to review your existing protection.
Notary Services
Notary services, made simple.
Professional document-signing support by appointment, with clear expectations from start to finish.
What to expect
Come prepared. Leave with confidence.
Notary appointments are easier when you know what to bring and which documents need notarization.
- Bring a valid, acceptable photo ID
- Bring the complete document to be notarized
- Confirm any required witnesses in advance
- We travel to you. A travel fee applies and varies by location
Signed with
care.
care.
Documents we notarizeHealth care directives Powers of attorney And more
Any document that needs a notary.
Documents that state your health care wishes or name someone to make medical decisions for you.
Documents that authorize someone you trust to act on your behalf.
If a document requires a notary, ask us. We can help with most documents that need a notarization.
Appointment processNotary fee: $10 Travel fee varies
Three straightforward steps.
01
Schedule
Choose Notary Services and a time that works for you in our online scheduler.
02
Prepare
Confirm identification, witness requirements, location, and any applicable fees.
03
Meet
We travel to your location. Have your unsigned documents and photo ID ready.
This is the fee for the notarization itself.
We come to you. The travel fee depends on your location, and we will confirm it before your appointment.
Notarial services are not legal advice. A notary verifies identity and witnesses signatures, and cannot advise you on the contents of your document.
About FLA
A different kind of insurance conversation.
FLA was built around a simple idea: people deserve to understand what they are purchasing.
Our story
Education comes first.
At Frontline Agency Inc., our mission is to help individuals and families make informed decisions by explaining insurance in everyday language.
We believe confidence starts with understanding. That means listening carefully, answering questions clearly, and respecting each person's unique situation.
Our team has been helping families with life insurance since 2023.
Conversations, not sales pitches.
Working with us
What to expect.
Meet your way
We work remotely, so you can meet by phone or video from home. Where available, we can schedule an in-person appointment and travel to you.
Convenient hours
Our business hours are Monday through Sunday, 9:00 AM to 9:00 PM, so you can talk with us at a time that fits your day.
Experience you can ask about
We have been helping families with life insurance since 2023. We also offer final expense, hospital indemnity and long-term care coverage, Medicare education and notary services.
What guides us
Our commitments.
Educate
Break down complex coverage terms into information people can use.
Empower
Provide room for thoughtful questions and confident decision-making.
Protect
Help clients consider coverage that fits their priorities and needs.
“Great guidance isn't about talking more. It's about helping people understand more.”
Contact FLA
Let’s begin with a conversation.
Send us a question or message, or schedule an appointment online. Our team will follow up about your requested service.
Send us a message
Fields marked * are required. Netlify records the date and time of each submission. This form is for questions and general inquiries and does not schedule an appointment. To book a time, use Schedule an Appointment.
Privacy Policy — Draft for Legal Review
Your privacy matters.
How Frontline Agency Inc. handles information collected through this website.
Draft for Legal Review
Draft for legal review. Do not publish as a final policy. This draft describes the integrations FLA has confirmed (Netlify, Netlify Forms and Square Appointments). It must be checked against the live website, account settings and actual data practices before it is finalized. Last updated (draft): October 20, 2026.
About this policy
This policy explains what information Frontline Agency Inc. (“FLA,” “we,” “us”) collects through this website, how it is used, and which service providers help us operate it. FLA is licensed in and serves Michigan only. This policy covers this website only. It does not cover the websites of insurance carriers, Medicare.gov, or the third-party services linked below, which have their own policies.
Information we collect
Contact form
If you send a message through our contact form, we collect your first and last name, phone number, email address, ZIP code, the service you are asking about, an optional message, and your contact-permission choices. We also record the date and time you submitted the form and the version of the permission wording you saw.
Appointment scheduling
If you select “Schedule an Appointment,” you book through Square Appointments. Square collects the information its booking form asks for, such as your name, contact details, the service you choose (Medicare, health insurance, life insurance or notary), and the date and time of your appointment, plus any note you choose to enter.
Technical information
When you visit the website, our hosting provider, Netlify, may process technical information such as your IP address, browser type and version, device information, the pages requested, and the date and time of the request. This is used to deliver and secure the website.
Information we do not want you to send
Please do not enter Social Security numbers, Medicare numbers, medical histories or health information, or banking or payment card information in the contact form, the message box or appointment notes. This website is not designed to collect them. If you send any by mistake, contact us so we can address it.
How we use information
- To respond to your contact-form message about the service you selected.
- To manage and confirm appointments you book.
- To operate, secure and troubleshoot the website.
- To contact you about Medicare or other insurance products only if you choose the matching optional permission, and subject to applicable law.
- To keep records as required by law or for legitimate business purposes.
Website hosting: Netlify
This website is hosted by Netlify. Netlify may process technical information, such as IP addresses and browser information, to deliver and secure the website. Netlify’s handling of that information is described in the Netlify Privacy Policy.
Contact form: Netlify Forms
Information submitted through the contact form is processed and stored through Netlify Forms and accessed by authorized FLA personnel to respond to inquiries. Netlify may apply spam filtering to submissions. We collect only the information needed to respond: name, phone number, email, ZIP code, requested service, and an optional message. Submitting the contact form does not schedule or confirm an appointment.
Appointment scheduling: Square
Appointments are booked through Square Appointments, which is separate from the contact form. Appointment information may be processed by Square to manage bookings, confirmations and scheduling. Square’s handling of that information is described in the Square Privacy Notice. Booking an appointment does not sign you up for marketing. FLA will not place sensitive insurance or medical information in appointment or scheduling notes. FLA does not use Google Calendar for scheduling.
Google Fonts
This website loads fonts from Google Fonts. When your browser requests those fonts, Google may receive technical information such as your IP address and browser details. See the Google Privacy Policy.
Analytics, advertising and marketing tools
This draft does not describe the use of website analytics, advertising pixels, a customer relationship management (CRM) system or email marketing software, because none has been confirmed as installed on this website. If any of these are added, this policy will be updated first.
Contact permissions and marketing
The contact form has three separate permission checkboxes. None is preselected.
- Required to send your message: permission to contact you by phone or email to respond to your inquiry. This is not marketing permission.
- Optional, Medicare: permission to contact you about Medicare products and services.
- Optional, other insurance products: permission to contact you about other insurance products, such as health, life, final expense, hospital indemnity and long-term care insurance.
Medicare permission is kept separate from permission for other insurance products. We do not automatically enroll anyone in marketing communications, and you can submit the form without choosing either optional box. To withdraw a permission, contact us using the details below. The website does not currently offer a text-message marketing option.
Medicare marketing considerations (CMS)
Federal Medicare marketing rules enforced by the Centers for Medicare & Medicaid Services (CMS) apply to Medicare Advantage and Part D plan marketing. Among other things, a documented Medicare Scope of Appointment is generally required before a personal marketing appointment about those plans. Checking a contact-permission box on this website, or submitting the contact form, does not replace a Scope of Appointment. FLA will handle any Scope of Appointment separately, under the rules in effect at that time. Because CMS rules change, they should be re-verified before launch.
Medicare disclaimer: We do not offer every plan available in your area. Currently we represent 3 organizations which offer 18 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. Frontline Agency Inc. is not affiliated with or endorsed by Medicare or the U.S. government.
Sharing of information
We share information with the service providers described above (Netlify and Square) so they can provide their services to us. If you later ask FLA to help you apply for coverage, information needed for that application will be handled in that separate process and may be shared with the insurance carrier you choose. We may also disclose information when required by law or to protect rights, safety and security. FLA does not sell information collected through this website.
Security and Michigan requirements
We use administrative, technical and physical safeguards appropriate to the size of our business and the sensitivity of the information we handle, and we limit access to authorized FLA personnel. No method of transmission or storage is completely secure.
As a Michigan-licensed insurance business, FLA is subject to the Michigan Insurance Data Security Law (Chapter 5A of the Insurance Code of 1956, MCL 500.550 to 500.565). Among other things, that law requires licensees to notify the Michigan Director of Insurance and Financial Services as promptly as possible, and no later than 10 business days, after determining that a qualifying cybersecurity event involving nonpublic information has occurred, and to notify affected consumers where required. Some of its information-security-program requirements may not apply to every licensee, depending on size and other exceptions. Other federal and Michigan privacy and insurance-licensee requirements may also apply.
We keep information only as long as needed for the purposes above or as required by law. [FLA to specify retention periods.]
Your choices and contact
You may ask us to withdraw a contact permission, update or correct your information, or delete information we hold, subject to legal and record-keeping requirements. Contact Frontline Agency Inc. at Info@frontlineagencyinc.com or 866-405-4657 ext. 3. To change information held by Square, you can also use the options in your Square booking confirmation.
Children
This website is intended for adults and is not directed to children under 18.
Third-party privacy policies
Changes to this policy
We may update this policy as our website, services or legal requirements change. The “last updated” date will be revised when we do.
Before this policy is finalized
Items for FLA and its legal reviewer to confirm. Remove this box and the “Draft” labels only after verification.
- The live contact form submits to Netlify Forms and submissions appear in FLA’s Netlify dashboard; confirm who has access and any notification emails.
- The fields actually configured in the Square booking form, any automated Square messages, and whether Square holds payment information.
- That no analytics, advertising pixel, CRM, email marketing or text-messaging tool is installed. Update this policy if any are added.
- Whether Google Fonts will remain (or be self-hosted, which would remove that section).
- The statement that FLA does not sell website information, and any sharing with carriers or other vendors.
- Retention periods, deletion process, and FLA’s written information security program and incident response under MCL 500.550–500.565.
- Current CMS Medicare marketing rules (including Scope of Appointment timing and the required disclaimer) and applicable TCPA and state telemarketing rules.
- Final wording of the permission checkboxes and the retained timestamp/version records.