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Reduce Your Medicare Premiums ā€” Tailored IRMAA Solutions for High-Income Retirees

Are you paying more for Medicare because of your income? Our certified planners help you lower your premiums with personalized, expert guidance.

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60+ years of experience and trust
We respect your privacy
Nadine Kaakouche KRS Insurance Agent
Safeguarding our clients in 60 plus years - KRS Medicare Services

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Why Choose KRS IRMAA Certified Planner?

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Lower Your Medicare Premiums

We specialize in reducing your IRMAA-related premiums, ensuring that you save money without sacrificing your healthcare.

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Expert Guidance Made Simple

Navigating IRMAA can be overwhelming, but our certified planners break it down for you in clear, easy-to-understand steps.

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Transparent & Trustworthy

With no hidden fees, we believe in complete transparency. Youā€™ll know exactly what to expect every step of the way.

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60+ years of experience and trust
We respect your privacy

How we work? (Simple Steps for Retirees):

1

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Free Consultation

Schedule a no-cost consultation with one of our certified IRMAA planners. Weā€™ll review your situation to identify savings opportunities.

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2

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Personalized Plan

We create a tailored plan that aligns with your income and Medicare needs, focusing on reducing your premiums.

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3

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Save on Medicare Premiums

Implement the plan and enjoy lower Medicare premiums, allowing you to focus on what really mattersā€”your retirement.

Get in touch

60+ years of experience and trust
We respect your privacy

Meet your IRMAA certified planners in Gilbert, AZ

AUTHORISED

BRIAN GODFREY

Insurance Specialist

Nadine Kaakouche - KRS BRANCH SALES MANAGER ā€“ GILBERT

NADINE KAAKOUCHE

Insurance Specialist

WES MASURE

Insurance Specialist

BERENICE DIAZ

Insurance Specialist

ANDRES SANCHEZ

Insurance Specialist

EDMUNDO THOMAS-DIEZ

Insurance Specialist

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What our clients have to say about working with us

Stephen Dolph
5/5

My agent Ryan is exceptional. He consistently reaches out to connect and inform me of any changing insurance matters as well as my annuity performance (which has done outstanding under his guidance – best decision I made in these volatile market conditions). I would highly recommend Ryan to anyone needing financial and insurance counsel.

Carol Kappel
5/5

Joy Daly is a pleasure to work with, very informative & goes the extra steps to help you with your insurance & investment needs.I will recommend her to all of my contacts.

Jacqueline Carroll
5/5

Both Matt and Samantha have gone above and beyond when I needed advice or more information concerning my investments. I have recommended them to my friends.

Craig Raschke
5/5
My wife and I have started our retirement plan by building our own bank through KRS but have also had the the ability to use for the adoption of our daughter. It is an incredible tool!
Terry Shaughnessy
5/5

Nadine learned our needs, explained
the programs available and helped us
choose the right plan to meet our needs.

Katherine Soutar
5/5
Brian has always been very friendly and very helpful. He has found me good deals on health, prescription and life insurance. He also helped my sister find a better deal on life insurance than she was able to find on her own.
Tim Schmerse
5/5

Chad has done an excellent job of showing us the options we have for insurance and retirement! Immediately took care of a problem we had. Very much satisfied!

Janice Garza
5/5

Desiree was great! I am glad to have found a broker so kind and who took the time to make sure I understood my plan

Devin Engelken
5/5
Truly professional team. They understand we have two ears and one mouth. They listen. The concepts and approach are clearly defined. All options are discussed. Implementation is a breeze. Service is top-notch. Well played. šŸ‘šŸ¼šŸ‘šŸ¼
Rosemary Schulz
5/5
Nadine and Carrie have been the greatest! They have assisted me through every question I had with patience and kindness to accomplish my goals. Great ladies
Are You Paying Too Much for Medicare?

Donā€™t let your income inflate your Medicare premiums. Get personalized help from trusted experts today.

Get in touch

60+ years of experience and trust
We respect your privacy

FAQ

IRMAA stands for Income-Related Monthly Adjustment Amount. If your income exceeds a certain threshold, you may pay more for Medicare. We help reduce these extra charges.

If your income puts you in a higher IRMAA bracket, we can review your financials to see if there are ways to lower your premiums.

Yes! Our initial consultation is completely free, with no obligations.

Most clients see reductions in their premiums within a few months after implementing our strategy.

Get in touch

60+ years of experience and trust
We respect your privacy
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Copyright KRS Insurance @ 2025
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Disclaimer: Key Retirement Solutions Inc. is approved in 48 States But Not in All Service Areas. We do sell Plans in 48 states; we do not sell in HI and AK, and we do not sell Plans in all service areas in the 48 states. We work with over 30 Carriers and over 100 different carrier plans.
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How soon will I be contacted?

Our dedicated insurance specialist from the nearest office will likely contact you within just a few hours, or at the latest, by the next business day.

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Is my personal information secure?

Absolutely. Your personal information is secured with the highest standards of privacy and protection. We never share your details without your consent.

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