About Karen, your Health Insurance Concierge

Karen Sigman is committed to making healthcare easier to understand and providing free, no-obligation insurance evaluations for everyone.

With over 25 years of experience in the healthcare market and a reputation for exceptional customer service, Karen continues to guide employer groups and individuals through a wide range of health products — including on/off exchange plans, Medicare Supplements and Advantage Plans, Prescription Drug Plans, and Medicaid programs. She works closely with national carriers and serves clients not only in Indiana, but in several other states as well, including: IL, MI, OH, KY, TN, GA, FL, AR, MO, AZ, and DE.

The Karen Sigman Agency, LLC also offers group and individual ancillary products from multiple national carriers, including Dental, Vision, Life, Long-Term Care and Disability. If you know a veteran or retiree, Karen can help!

Karen stays informed and up to date through direct contact with insurance carriers and the National Association of Health Underwriters. She makes sure clients receive timely updates about important changes, whether in group sessions or one-on-one.

Most importantly, Karen arranges appointments around her clients’ schedules and personal needs. She takes the time to sit down, listen, educate, and offer clear options — empowering clients to make informed decisions.

If you would like to reimagine your future healthcare or group benefits, contact Karen today by phone or email to schedule an appointment. Save money, gain peace of mind, and enjoy a first-class benefits package throughout the year.

KAREN SIGMAN AGENCY

Reach out to Karen today!

317-409-5543 | EMAIL ME

Broker licensed agent

Frequently Asked Questions

Got questions? We have got the best answers for you.

When can I enroll or change my Medicare coverage?

Most people can only make changes during certain times each year:

  • Annual Enrollment Period (AEP): October 15 – December 7. During this time, you can join, switch, or drop a Medicare Advantage Plan (Part C) or a Medicare drug plan (Part D). Any changes take effect on January 1 of the following year. (Medicare & You 2025, p. 18, 162–163)
  • Medicare Advantage Open Enrollment (OEP): January 1 – March 31. If you are already in a Medicare Advantage Plan, you can switch to another Medicare Advantage Plan, or drop it and return to Original Medicare (with the option to join a drug plan) once during this period. (Medicare & You 2025, p. 18, 162–163)

Who qualifies for Extra Help or Medicaid?

If you have limited income and resources, you may qualify for programs that lower your Medicare costs:

  • Extra Help helps pay for Medicare prescription drug coverage (Part D) premiums, deductibles, and copays. For 2024, individuals with income under ~$22,590 and resources under ~$17,220, or couples with income under ~$30,660 and resources under ~$34,360 may qualify. Some people qualify automatically if they have full Medicaid, get help from their state with Medicare costs, or receive Supplemental Security Income (SSI). (Medicare & You 2025, p. 213–225)
  • Medicaid is a joint federal and state program that helps pay health care costs for those with limited income. If you qualify for both Medicare and Medicaid, most of your health care costs are covered, and you automatically get Extra Help for drug coverage. (Medicare & You 2025, p. 213–225)

What happens when I leave employer coverage?

If you’re leaving an employer or union health plan, you’ll need to consider enrolling in Medicare to avoid gaps in coverage or penalties:

How does Medicare work with Veterans’ benefits?

If you’re a veteran, you may qualify for additional coverage through the Department of Veterans Affairs (VA), CHAMPVA, or TRICARE:

  • VA benefits may cover prescription drugs, but you can’t use both Medicare Part D and VA benefits for the same prescription at the same time. (Medicare & You 2025, p. 210–211)
  • CHAMPVA (for eligible dependents) can work alongside Medicare, but if you join a Medicare drug plan you may lose access to Meds by Mail, which provides maintenance drugs with no cost-sharing. (Medicare & You 2025, p. 210–211)
  • TRICARE requires you to have Medicare Part B if you’re eligible for Part A. TRICARE coordinates with Medicare Advantage Plans in some cases. (Medicare & You 2025, p. 210–211)

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