TJ Merrill

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TJ Merrill

Golden Insurance

(208) 970-7008

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I grew up in the Four Corners area of New Mexico as the oldest of five, and today I’m proud to call Idaho home with my wife, Betty, and our four children. Our oldest son has special needs, and through his journey we gained firsthand experience with healthcare, hospitals, and insurance — an experience that shaped my passion for helping others. For 15 years, Betty and I owned and operated a small business with 25 employees before moving back to Idaho to be closer to family. Along the way, I learned the importance of hard work, community, and putting people first.
Now, I specialize in helping people navigate Medicare with confidence and clarity. Whether you’re turning 65, reviewing your current plan, or just feeling overwhelmed by the options, I’ll take the time to listen and guide you toward coverage that truly fits your needs. Outside of work, I enjoy the outdoors, camping, hiking, and road trips with my family. I’d be honored to be a trusted resource for you as you make important decisions about your healthcare.

Products Offered:
Medicare Supplement, Medicare Advantage, Final Expense, Dental Plans

States Serviced
Idaho, Arizona, California, Colorado, Florida, Montana, New Mexico, Oregon, Washington, Alabama, Arkansas, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Michigan, Missouri, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia

Articles & Insights from TJ Merrill

Navigating Medicare Advantage: A Pre-Enrollment Guide for Ages 60-64
Medicare Advantage May 21, 2026
Navigating Medicare Advantage: A Pre-Enrollment Guide for Ages 60-64
Prepare for Medicare Advantage enrollment early. This guide offers a professional, step-by-step overview for adults aged 60-64 to understand their options before turning 65.
 Affordable Smiles: Comparing Dental Plan Options for Medicare Seniors
Dental Plans May 21, 2026
Affordable Smiles: Comparing Dental Plan Options for Medicare Seniors
Medicare often leaves your teeth uncovered. Learn how to compare dental plan costs and discover affordable options designed for seniors, so you can keep your smile bright and healthy!
 Your Pre-Medicare Guide: Step-by-Step to Medicare Supplement Enrollment
Medicare Supplement May 21, 2026
Your Pre-Medicare Guide: Step-by-Step to Medicare Supplement Enrollment
Are you 60-64 and nearing Medicare eligibility? This comprehensive guide breaks down the essential steps to confidently enroll in a Medicare Supplement plan.
 Idaho's Medicare Supplement Birthday Rule: Your Annual Plan Check-Up
Medicare Supplement May 21, 2026
Idaho's Medicare Supplement Birthday Rule: Your Annual Plan Check-Up
Did you know Idaho offers a special 'Birthday Rule' for Medicare Supplement plans? Discover how this annual opportunity allows you to switch plans without medical underwriting, potentially saving you money!
 Decoding Medicare Supplement Costs: A Guide for Informed Decisions
Medicare Supplement May 21, 2026
Decoding Medicare Supplement Costs: A Guide for Informed Decisions
Navigate the complexities of Medicare Supplement pricing with our expert guide. Discover key factors influencing costs and how to compare plans for optimal value.
 Decoding Medicare Advantage Costs: A Reassuring Guide for Pre-Retirees
Medicare Advantage Apr 24, 2026
Decoding Medicare Advantage Costs: A Reassuring Guide for Pre-Retirees
Approaching Medicare? Don't stress about future Advantage plan costs. We break down pricing comparisons, empowering pre-retirees like you to plan wisely.
 Unlock Your Savings: A Friendly Guide to Medicare Prescription Drug Plans
Prescription Drug Plans Apr 24, 2026
Unlock Your Savings: A Friendly Guide to Medicare Prescription Drug Plans
Confused about your Medicare prescription drug options? Discover how a Part D plan can help you manage medication costs and ensure you get the coverage you need.
 Hospital Indemnity Plans: Essential Coverage Beyond Medicare for Seniors
Health Insurance Apr 24, 2026
Hospital Indemnity Plans: Essential Coverage Beyond Medicare for Seniors
For Medicare-eligible seniors, Hospital Indemnity plans offer vital fixed cash benefits during hospital stays. Learn how they bridge Medicare gaps and protect your finances.
 Essential Dental Coverage for Seniors: Beyond Original Medicare
Dental Plans Apr 24, 2026
Essential Dental Coverage for Seniors: Beyond Original Medicare
Discover why Original Medicare doesn't cover routine dental care and explore affordable options to keep your smile healthy as you age.
 Idaho Birthday Rule for Seniors
Medicare Supplement Apr 24, 2026
Idaho Birthday Rule for Seniors
Did you know you can change your supplement plan in Idaho without underwriting?
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