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Hi, I’m Tom Lockwood

Direct Line: 800-913-3419

My name is Tom Lockwood and I am a member of the MediGap Advisors team. I’m here to introduce myself and explain my decision to become a Personal Benefits Manager.

I know how frustrating and time-consuming finding a Medicare supplement plan (also known as a Medigap plan) can be. As I approached 65, my wife, Margret, and I started looking at our health care options. We were particularly interested in supplementing our prescription drug coverage. We needed the right plan to keep our out-of-pocket expenses manageable.



I contacted MediGap Advisors and started to ask questions and get an idea of what kind of MediGap plan we wanted. Soon I began to receive calls and emails from an agent who worked for another company. He gave us the “hard sell,” and then tried to pressure us to make up our minds quickly. I told him we needed some time to consider our options. He was not pleased to hear this and became irate and rude.

That made our choice of Personal Benefits Manager easy. We were done looking: we were only going to work with MediGap Advisors to get help with our health care needs. Working with our Personal Benefits Manager turned out to be a wise move, and it just kept getting easier. He listened to our specific concerns and encouraged us to take our time to review the options. Ultimately, he helped us find a plan that gave me more comprehensive coverage and ensured that it was my doctor who chose my prescriptions and not a restrictive drug list.

This kind of personalized customer service really had an impact on me. I have spent most of my life working in IT management and had never considered a career in insurance. After this experience, however, I really felt helping people take charge of their health care was my new calling. My wife (as always) was completely supportive, and now here I am at MediGap Advisors —and enjoying it.

My Wife Margret Is My Inspiration

My Wife Margret Is My Inspiration

Out Cycling With Luke and Tyler

Out Cycling With Luke and Tyler

My Wonderful Family

My father was a career Navy officer, so we moved a lot. We called places all over the world “home.” My family and I lived all over the U.S. and in Germany and Spain as well.

Living so many different places gave me a real appreciation for the differences between people. More importantly, it gave me a real sense of how we are all connected and how building those connections requires respect, empathy and integrity. This is a philosophy I still believe in.

I was serving as a member of the U.S. Navy when Margret and I met. We’ve been married for 40 years. Margret is my inspiration and has always supported and encouraged me.

We have two grown children: a daughter, Melissa, and a son, Gunnar. I am proud of both our kids and their accomplishments. Melissa and her husband Jason are amazing parents to Luke and Tyler, my energetic grandsons. Gunnar recently earned his degree with honors from the University of California at San Diego.

Margret and I are avid cyclists. We enjoy riding our bikes with our grandsons and always go out prepared for any type of weather. We’ve even been snowed on!

Our daughter Melissa

Our daughter Melissa, her husband Jason and grandsons Luke and Tyler

Son Gunnar and girlfriend Aiko

Son Gunnar and girlfriend Aiko

Riding the Rails With Luke

Riding the Rails With Luke

Another Passion: Making Connections

When I am not working or spending time with my family, I have a guitar in my hand. I picked it up as a teenager and haven’t put it down since! I have performed solo and with a band, but my favorite thing to do is get together with other musicians and just play. Practicing with fellow music lovers is just as much fun as being up on stage. No matter what I do, my focus is on making connections with people.

That’s true of my approach to my business as well. Great customer service builds relationships. Nothing is more rewarding to me than helping people tackle this significant life decision. I can help you weigh your options and choose a MediGap plan that is right for you and your family. Together, we’ll find coverage that will protect your health and your finances.

As a MediGap Advisors Personal Benefits Manager, I am part of an organization that cares about integrity. I can promise to really focus on you and what you need: there will be no hard sell and no pressure. I am here to answer your questions, look at your choices, and then step back and let you be in control of your health care future.


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Tom Lockwood
Direct Line:  800-913-3419

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Read what our clients say about Tom Lockwood…

"I choose MediGap Advisors because of the best prices, many options presented and great customer service."

“Shopping and purchasing with MediGap Advisors was completely enjoyable! Tom did much of the research for me and made the experience pretty much hassle-free. I would rate his services very good. He answered all of my questions promptly, and I believe, found the best products for me.

I selected you after researching your company and others on the internet, and after meeting with sales people in my home and on the telephone. You gave me more options to choose from at better prices. You do the research for the customer and present all the choices in an easy to understand format, and let the customer make the selection he prefers without any high pressure sales tactics. I choose MediGap Advisors because of the best prices, many options presented and great customer service.”

Charles F. David
Wimberley, TX

My husband and I have been working with Tom Lockwood for several years now. When the annual enrollment period approaches, Tom has worked diligently to ensure we have the best coverage for both our Medigap and prescription medication plans. We pass on Tom’s contact information whenever anyone asks us about our insurance advisor and always give him a glowing recommendation.

We intend to continue using Tom as our advisor.

Mary Lehr
East Windsor, CA



Tom and your company’s service has been awesome. My husband and I are thrilled to be off of Obamacare and into the world of Medicare plus supplements. Tom was thorough and simplified our supplement options. We are very happy with the customer care and processing of our selected, private supplement companies.”

Rebecca and Gary Ellis
Parker, CO

"I would rate Tom 10 out of 10!"

My shopping and purchasing experience with MediGap Advisors was wonderful! My agent Tom Lockwood was great! I would rate Tom 10 out of 10! He really helped me understand the confusing world of Medicare Advantage..

Nancy Rivers
Jenks, OK

"I'll give Tom a 10! The best thing you do is helping people make the most of Medicare."

“Wonderful! You made it very easy. I’ll give Tom a 10! He had answers to all my questions, and has been there to guide me anytime I come up with another question. He actually answers his phone – remarkable nowadays!! Tom called me and as soon as he said he didn’t SELL anything, I listened.

The best thing was the explanation of how it all works, and how the pieces fit together. The best thing you do is helping people make the most of Medicare.”

Mary Maxwell
Oriental, NC

“Our experience with Tom was great."

“Our experience with Tom was great. He answered all our questions and saved us a premium for ourRX coverage. We will definitely recommend MediGap to family & friends. Thanks for wonderful service.”

Jim Castronuovo
Lavallette, NJ

"Tom was great..."

“Tom was great. He answered all questions and gave all options. I would recommend him to anyone looking to begin this process. He is polite and patient.”

Patti Korzon
Ludlow, VT

“Tom certainly is excellent at what he does. He is thorough about the subject and knows the ins and outs of this all too complicated Medicare!!!!!”

Thank you so much for your referral to Tom. He certainly is excellent at what he does. He is thorough about the subject and knows the ins and outs of this all too complicated Medicare!!!!!

And he has a sense of humor.

So thanks again.

Corie Kotansky
San Mateo, CA