Shawn Ray
Shawn Ray
Shawn Ray Insurance
(435) 244-2001
Visit My Website
What makes me different is what happens after you enroll. I am not trying to be the biggest Medicare agency. I am trying to be a consistent resource you can come back to when you need personal help, clear answers, and ongoing support.
Medicare is not something you choose once and never think about again. Plans change, drug costs change, benefits change, and life has a way of throwing curveballs. That is why my focus is long-term support, not just enrollment.
As an independent Medicare insurance broker, I help compare Medicare Advantage, Medicare Supplement, and Part D prescription drug plans in plain English. I look at what actually matters — your doctors, prescriptions, pharmacy, budget, health needs, travel plans, and long-term costs.
The goal is simple: make Medicare feel less confusing and more personal, so when questions come up later, you have a real person in your corner instead of feeling stuck calling a random 1-800 number.
Medicare is not something you choose once and never think about again. Plans change, drug costs change, benefits change, and life has a way of throwing curveballs. That is why my focus is long-term support, not just enrollment.
As an independent Medicare insurance broker, I help compare Medicare Advantage, Medicare Supplement, and Part D prescription drug plans in plain English. I look at what actually matters — your doctors, prescriptions, pharmacy, budget, health needs, travel plans, and long-term costs.
The goal is simple: make Medicare feel less confusing and more personal, so when questions come up later, you have a real person in your corner instead of feeling stuck calling a random 1-800 number.
Products Offered:
Medicare Supplement, Medicare Advantage, Life Insurance, Health Insurance, Final Expense, Dental Plans, Cancer/Heart/Stroke
States Serviced
Alabama, Arizona, Delaware, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Michigan, Missouri, New York, North Carolina, Ohio, Oregon, Utah, Pennsylvania, South Dakota, Texas, Washington
Articles & Insights from Shawn Ray
Medicare Advantage
Jul 23, 2026
Still Working at 65? 7 Medicare Questions to Ask Before You Delay Part B
Still working at 65? Before delaying Medicare Part B, confirm whether your job-based coverage qualifies, which plan pays first, how Medicare affects HSA contributions, whether your drug coverage is creditable, and when your Special Enrollment Period begins. These seven Medicare questions can help you avoid late penalties, coverage gaps, and costly enrollment mistakes.
Medicare Advantage
Jul 23, 2026
6-Month Medicare Timeline: What to Do Before Turning 65
Turning 65 soon? Use this six-month Medicare timeline to learn when to review Parts A, B and D, compare Medicare Advantage and Medigap options, check doctors and prescriptions, apply through Social Security and confirm coverage before your birthday month. Preparing early can help you avoid missed deadlines, penalties and costly coverage surprises.
Health Insurance
Jul 15, 2026
Mid-Year Medicare Checkup: What to Review Before Fall
July is a good time to check how your Medicare plan is actually working before the fall mail, commercials, and phone calls begin. Review your doctors, prescriptions, medical costs, extra benefits, and any health or life changes. My Mid-Year Medicare Review makes it easy to let me know what has changed and where you may need help. Complete it now so we have time to review everything before fall.
Health Insurance
Jul 3, 2026
Follow Your Path To Medicare: A simple Guide for Turning 65
Turning 65 and unsure where to start with Medicare? This simple guide helps you follow the right Medicare path based on your work situation, employer coverage, VA or TRICARE benefits, prescription drug coverage, enrollment deadlines, and plan options. Learn what to check before choosing coverage so you can avoid surprises and feel more confident about your Medicare decision.
Medicare Advantage
Jun 26, 2026
Don't Let Your Medicare Extra Benefits Sit Unused
June is a good time to check your Medicare extra benefits. Your plan may include dental, vision, hearing, OTC items, or fitness benefits, but many people forget to use them. Here’s what to look for before those benefits sit unused.
Health Insurance
Jun 18, 2026
Medicare and Summer Travel: Because Surprise Bills Make Terrible Souvenirs
Before you hit the road, board a cruise, or visit family this summer, check how your Medicare coverage works away from home. Learn what seniors should know about Medicare travel coverage, Medicare Advantage networks, prescriptions, cruises, and foreign travel before surprise bills become your worst souvenir.
Health Insurance
Jun 12, 2026
Common Scam Warning Signs Seniors Should Know
Before we get started, it's important to remember that anyone can fall for a scam. I've talked with smart, careful people who never thought it could happen to them. Scammers are getting more sophisticated every year, and sometimes all it takes is catching someone at the wrong moment. That's why knowing the warning signs is so important.
Jun 5, 2026
10 Common Medicare Questions Answered
Turning 65 or already on Medicare? Get answers to 10 of the most common Medicare questions, including enrollment deadlines, Medicare Advantage vs. Medicare Supplement plans, prescription drug coverage, employer insurance, and potential late enrollment penalties. This guide breaks down Medicare in plain English so you can better understand your options, avoid costly mistakes, and choose coverage with confidence.
Medicare Supplement
May 28, 2026
Medicare Supplement Plans Explained: Are They Worth It?
Medicare Supplement plans help cover many of the costs Original Medicare does not pay, like deductibles and copays. They can offer more predictable healthcare expenses and flexibility with doctors nationwide. This article explains how Supplements work, their pros and cons, and how to decide if one may fit your needs.
Medicare Advantage
May 7, 2026
Why Working With a Medicare Agent Costs You Nothing
Medicare can feel overwhelming fast. Between plan options, doctor networks, prescription costs, and changing benefits, many people are not sure where to start. The good news is working with an independent Medicare agent typically does not cost you anything extra. I help clients compare plans, understand their options in plain English, and stay informed throughout the year so they feel confident about their coverage instead of feeling like they are figuring it all out alone.
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