Medicare supplement and part D Quotes
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Get to Know Our Team

We're independent agents and are here to help guide you through the steps of getting insurance, but why trust us?
To help ease your hesitancy, read about us and our principal agent, below.

Paul Cholak, licensed insurance agentPaul Cholak-Principal
Licensed Independent Agent

Paul holds resident and non-resident health licenses in30 states and Medicare Supplement licenses (required in North Carolina).

He has over thirty years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms.  As a senior himself, he understands the special needs and concerns of seniors who are seeking help for their health insurance needs. He understands the health insurance needs of self-employed individuals and can offer a special benefit program for seniors who own businesses.  He knows all aspects of individual and group health insurance. He's been listed in Who's Who in America and Who's Who in Financial Services and is a member of Phi Beta Kappa and other national honorary societies and organizations.

Why Choose An Independent Agent

Some people think it doesn't really matter where they buy their health insurance.  But this could be costing them money, service, and protection.  Buying insurance isn't like buying a commodity.  Insurance is an important safety net and can prevent major financial problems like financial insecurity or loss of major assets.  Don't treat the purchase lightly!

There's a difference where you buy your protection.  Many people don't realize there are three sources for insurance:

  • Independent Insurance Agents and Brokers -- represent many insurance companies and research these firms to find you the best combination of price, coverage, and service.
  • Captive Agents -- sell you the insurance of only one company.  
  • Telephone Representatives -- offer you the insurance of one or more companies but are usually not licensed to sell insurance.  They must refer you to a licensed broker to complete the sale.
As Independent Insurance Agents/Brokers, we:
  • Are licensed professionals;
  • Provide excellent service and competitive prices because we can access insurance coverage from many companies;
  • Aren't limited to any one company.  You don't need to change agents as your insurance and service needs change;
  • Represent only carriers that are both financially stable and provide efficient claims service;
  • Assist you when you have a claim;
  • Are your consultants, working with you as you determine your needs;
  • Offer you a choice of insurance plans and programs;
  • Determine the best combination of price, coverage, and service.  We find the best carrier offering the best value for your premium dollar;
  • Offer one-stop shopping for a full range of health insurance products;
  • Periodically review your policy with you to make sure your coverage is keeping up with your changing insurance needs; AND.
  • Treat you like a person and not as a number.
Senior Plans By Phone agents explain coverages and limitations and believe in educating you, the health care consumer.  We have a strong commitment to customer service and want to earn your business by fully informing you and answering your questions, being available every day of the week from 7 AM to 11 PM Eastern time, and serving you to your complete satisfaction.

There's no charge for using our services.  We receive compensation by the insurance company and you do not pay us for our services. Insurance companies charge you the same price wherever you buy your policy.  Eligibility  is based upon the facts you provide in your application and, unless you qualify for a Medicare Advantage plan (except for end-stage renal disease), Part D Prescription Drug Plan, or open enrollment or guaranteed issue (for a Medicare Supplement Plan), price and eligibility can be affected by your health status based on the underwriter's review of the carrier's underwriting guidelines.


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