Independent Medicare Agent

Medicare guidance you can trust.

Navigating Medicare doesn't have to be overwhelming. We provide personalized, plain-spoken advice to help you find the coverage that fits your lifestyle and your budget.

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Licensed in 14 states NPN 21680419 No cost to you
Your Advisor

Meet Matt.

Personal, plain-spoken Medicare guidance from a licensed broker who works for you, not the insurance carriers.

Matt Klinger, Founder of Sunhaven Senior Benefit Advisors
Matt Klinger
Founder · Licensed Medicare Insurance Broker · NPN 21680419

I started my career as an engineer, and what I always enjoyed most was taking something complicated and making it easy to understand. That's the same approach I bring when helping my Medicare clients.

When you call Sunhaven, you get me. Not a call center. I treat every client the way I'd want my own parents treated.
Matt Klinger, Founder
We work for you
Independent brokerage. We compare every plan and recommend what actually fits your life, not what pays us most.
Plain language, no jargon
We define every acronym and turn confusing insurance-speak into a clear decision you can act on.
Free, always
No cost to you. Carriers pay us a fixed rate, the same regardless of which plan you choose.
Plans We Offer

Understanding your options.

We help you sort through every type of coverage Medicare beneficiaries actually use. In plain English, with no pressure.

Your Medicare Plans
Part C
Medicare Advantage
All-in-one plans that replace Original Medicare. Usually include prescription, dental, vision, and hearing benefits.
Medigap
Medicare Supplements
Also called Medigap. Pairs with Original Medicare to cover the gaps. Deductibles, copays, coinsurance.
Part D
Prescription Drug Plans
Standalone prescription drug coverage if your plan doesn't already include it. We compare drug lists to make sure yours are covered.
Beyond Medicare
Hospital
Hospital Copay Coverage
Cash benefits when you're admitted to the hospital. Pays directly to you, regardless of what other insurance covers.
Necessary
Cancer Plans
Lump-sum cash benefit if you're diagnosed with cancer. Helps with the costs your medical plan doesn't cover.
Necessary
Heart Attack & Stroke
Cash benefit on diagnosis of heart attack or stroke. Use it for anything: bills, time off work, recovery costs.
Financial
Annuities
Guaranteed income solutions for retirement. We help compare options and explain the trade-offs in plain English.
Supplemental
Dental, Vision & Hearing
Coverage Medicare doesn't include. Bundled or standalone plans for routine and major care.
Common Questions

Your top questions, answered.

Nothing. Our advisory time is free. When you enroll in a plan through us, the insurance carrier compensates us at a fixed rate. The same rate regardless of which plan you choose. There's no incentive to push you toward one carrier over another.
No. We're independent and represent multiple carriers. If a plan from a carrier we don't represent is genuinely your best option, we'll tell you and point you toward it.
Medicare Advantage replaces Original Medicare with a bundled private plan that usually includes prescription coverage. Medigap is a supplement that fills gaps in Original Medicare. Each has trade-offs: premium vs. out-of-pocket cost, network restrictions, prescription coverage, doctor choice.
The two big windows are your Initial Enrollment Period (three months before through three months after your 65th birthday) and Annual Enrollment (October 15 to December 7 each year). Special Enrollment Periods cover life events like losing employer coverage or moving.
That's our favorite kind of conversation. Most people we talk to are months away from a decision. Getting clarity early is better than scrambling in October.
Request a free consultation
We'll reach out within one business day.

Ready to talk?

A 30-minute call. No paperwork. No pressure. Just an honest conversation about your situation and what your options actually look like.

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