Hi, I’m Mike Montes
Direct Line: 800-913-2195
Hello, I’m Michael Montes and I represent MediGap Advisors. Medicare can be very confusing and even overwhelming, so we at MediGap Advisors have packed our website with information and resources to educate and guide you. We have years of experience with Medicare. As your Personal Benefits Manager, I am here to share that experience and expertise with you. Your questions are welcome!
My experience with finding the right insurance policy is hard-won, and the result of a mistake my wife and I made not too long ago. Although we are not yet on Medicare, we were still overwhelmed by choosing an insurance policy.
We ended up with coverage that wasn’t a good match for our needs. At the critical moment we needed it, the plan didn’t meet our expectations. Our out-of-pocket expenses totaled in the thousands, and we regretted following bad advice from someone who clearly did not listen to us, had no idea what our needs were, and sold us coverage that failed us.
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I was able to do a better job with my extended family. I educated myself and became a member of the MediGap Advisors team. Now, I am proud to be able to help my dad and my aunts and uncles understand Medicare. It is so rewarding to give them the advice they need that makes their costs manageable. I love to make their Medicare experience a little bit easier, so they can just go enjoy their lives!
I take the same approach with my clients. We talk about your needs, I make recommendations, and then I keep your policy working for you by staying on top of issues that may affect your coverage.
Medicare: My Experience
My personal experience with Medicare and some other resources has proven invaluable in the past. It’s my responsibility as a MediGap Advisors Personal Benefits Manager to help you avoid the personal and financial stress of having coverage that fails you when you need it most.
Recently, I talked to a gentleman whose children handled all his affairs. When we talked about his situation, I realized he was eligible for various government and private assistance programs that he and his children weren’t aware existed. I helped them with the qualification process and left them with specific contact information and details on other assistance programs.
Another time, when one of my clients referred a friend to talk with me, I found the friend was taking 16 different medications. She was new to Medicare and was paying a hefty price for her meds every month. It turned out that she was qualified for a low-income subsidy called “Extra Help,” which I helped her apply for. I also did some research and found a few Rx plan choices that would cover all of her medication. I even found a program that helped her doctors coordinate reducing her different medications. In just one meeting, I found ways to help her save thousands of dollars.
The gratification that comes with helping people solve these big, real-life problems is why I do what I do, and the MediGap Advisors mission reflects my attitude about how to serve our clients. Back in 2005, I realized that ethical, honest Personal Benefits Manager with the integrity to work for what was in the client’s best interest were needed to help people deal with the gaps in Medicare’s coverage. I decided to become one of them.
My wife and I have been married for over 20 years, and we have two amazing kids. We do our best to make sure everything we do helps them understand the value and importance of characteristics like bravery, honesty, integrity and leadership.
Me and Juanita
I’ve been happily married since 1997 and I’m a proud father of two beautiful children; Gavin & Madisyn. Our family leads a happy, healthy, and positive lifestyle. We’re adventurous and love to have fun. We jump at the chance to learn, explore and experience new things all the time. We constantly instill good values, morals, beliefs and wisdom in our children so they can grow up to be valuable, positive, and successful leaders.
Our kids: we couldn’t be prouder!
One swing and I was hooked!
When I am not working or enjoying the great outdoors with my wife and children, I enjoy skiing, swimming, boating, hiking and jet-skiing. Recently, I took up golf, and now I can see why everyone is so obsessed!
I also like to read. I am always looking for words that inspire me to be the best I can be and to constantly improve myself. I like Jim Rohn’s quote: “You must take personal responsibility. You cannot change the circumstances, the seasons, or the wind, but you can change yourself. That is something you have charge of.”
I’ve taken charge and chosen to become an expert on Medigap plans to help people like you take control of their own circumstances. Give me a call and we’ll find the coverage you need at the price you want.
Read what our clients say about Michael Montes…
"Mike Montes has been a Godsend to me and my family!"
It is so comforting to know that he has our best interest at heart and is very prompt in responding to any questions we might have about our supplemental insurance. We appreciate being able to e-mail him and he has all the information at his fingertips. We could do the research but there’s no way we could cover all the bases like he is able to do. We have used him several years now and have referred him to other family members and friends.
Richard & Debbie Henley
"He is a real asset to your firm and I will refer others to him."
My husband and I have been most happy with Mike Montes. His service is above and beyond what I would expect from an insurance advisor. He returns calls on a timely basis, is very patient with our questions, and explains things thoroughly. He is a real asset to your firm and I will refer others to him.
Pompano Beach, FL
"Mike's expertise met all my needs and his service exceeded expectations."
The shopping and purchasing experience with your company was very pleasant and low pressure, Mike’s expertise met all my needs and his service exceeded expectations
"I would highly recommend Mike and your organization."
The shopping and purchasing experience was excellent. I couldn’t have navigated the system/process without Mike’s knowledge and expertise. Mike Montes made a terrifying and complex situation very simple and easy to understand. He explained everything throughout the application and receipt of coverage. He followed up several times to ensure we understood and had received all of the documentation and insurance cards. I would highly recommend Mike and your organization. Thank you!
"Just "Thank You" for such complete service and commitment to excellence. Thank you for your excellent personnel. I am also recommending MediGap Advisors to my friends and family."
Absolutely fantastic! Mike Montes has been incredible to work with. He is extremely knowledgeable, friendly, and responsive. He follows up to make sure I have everything I need and has made the entire process effortless. You must know that I have been and am still approached by countless other brokers to get my business since I made initial inquiries on the Internet. Mike was far and away the best I talked with and I continue to ignore additional contacts with other brokers. I am a detail person and would drive most brokers crazy with all my questions, but Mike is very patient and has all the answers
I would rate my service from Mike at 100% as described above. Just “Thank You” for such complete service and commitment to excellence. Thank you for your excellent personnel. I am also recommending MediGap Advisors to my friends and family
"On scale of 1 to 10, definitely a 10 for Mike Montes! I will definitely call him in the years to come if I need assistance with my Medicare changes."
I was on the computer looking at different plans, and he (Mike Montes) gave me a call to see if he could be of help with me offering different plans that would best work for me and what I was interested in. Glad he gave me that call and helped me because all that info is confusing for me.
Mike Montes was actually the person that did the shopping for me. I explained to him what I was looking for in the Medicare Supplements. He was very spontaneous, shopped around for me, called me back, explained the plans to me in very understanding terms, and helped me through the application – taking time to explain every detail to each question that I didn’t understand. To cut the long story short, I will definitely call him in the years to come if I need assistance with my Medicare changes.
On scale of 1 to 10, definitely a 10 for Mike Montes! He was super in all his explanations of the different plans I was interested in, very very helpful, and even went step by step with helping me fill out the application over phone for the plan I decided to take.
"Thanks for all of your help Mike and if I know anyone needing help, be assured that I will refer them to you. Your service has been excellent!"
Have not received my policy yet but will be looking forward to it! Thanks for all of your help Mike and if I know anyone needing help, be assured that I will refer them to you. Your service has been excellent!
Mary Jo Edwards
Ft. Walton Beach, FL
"Thanks to Mike Montes, the process most definitely was pleasant and easy."
Thanks to Mike Montes, the process most definitely was pleasant and easy. The service I got was just the kind that I need. Nothing high pressure. Just a willingness to keep educating and arming me with answers (sometimes in duplicate and triplicate), to my questions about this business.
Mike exhibited a strong expertise in the available plans – especially PATIENCE in explaining and re-explaining how things worked in what seemed to me to be a terribly complex healthcare universe.
As I stated above, I liked Mike’s hassle-free approach. I also appreciated his prompt responses to any and all of my inquiries – which were frequent and many – about what I was buying at the lowest price possible. If all your sales people are this service and information oriented, then – for me – that is what you do best.
"The whole shopping experience was wonderful because I had Mike Montes to help me with my application."
The whole shopping experience was wonderful because I had Mike Montes to help me with my application. He is very caring and helpful. The process over telephone was very smooth. I did have a bit of a problem with Silverscript not processing my application. I contacted Mike by email and he took care of it immediately. Four days later, I already received my prescription card in the mail.
Fort Mill, SC
"I am a very detailed person that desired better customer service. Medigap Advisors, through Mike, provides that."
The shopping and purchasing experience with MediGap Advisors was outstanding. It felt like I was your firm’s only customer. I love the fact that I can contact Mike several ways and he would call me back very quickly. I really liked being able to setup a meeting via the internet. The entire process was quick and easy.
Mike Montes was great. After our initial connect I knew I had found a new advisor to assist us in shopping for insurance. I am a very detailed person that desired better customer service. Medigap Advisors, through Mike, provides that