Licensed Insurance Broker
Senior Advocate
Community Event Host


























We believe in giving back to the senior community through fun, meaningful, and completely free events. From bingo and pizza nights to seasonal cookouts and senior photo sessions, our gatherings are designed to bring joy, connection, and a little extra sparkle to your day. Hosted at senior living communities, these events are always free of charge—just come and enjoy!
Welcome to your guide for enrolling in Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). Whether you're retiring, still working, or just exploring your options, we're here to simplify the process and help you feel confident about your coverage.
It starts 3 months before your 65th birthday, includes your birthday month, and ends 3 months after.
Social Security number, proof of age, and employment history (if applying for a Special Enrollment Period).
Visit the:
Social Security Medicare Sign-Up Page
Choose your coverage (Most people get Part A premium-free. Part B has a monthly premium)
Complete the online application or call Social Security at
1-800-772-1213
Receive your Medicare card in the mail within a few weeks.
Review your coverage and explore additional options like Part D (prescription drugs) or Medicare Advantage.
Navigating Medicare can feel overwhelming—but it doesn't have to be. Whether you're newly enrolled or have been on Medicare for years, this page is designed to connect you with fast, reliable resources that make understanding your coverage easier. From saving money on prescriptions to finding local support, these tools are here to help you make confident, informed decisions about your health care
Offers guidance on coordination of benefits, recovery processes, and how Medicare interacts with other insurance.
LEARN MOREExplains how low-income beneficiaries can get help paying for premiums, deductibles, and copayments.
LEARN MOREA detailed guide to financial help options like Medicaid, nursing home coverage, and prescription drug assistance across all states.
LEARN MOREIf you qualify for both Medicare and Medicaid, you may be eligible for even more support—like help paying for prescriptions, premiums, and other health costs. This section is designed to guide Dual Eligible Beneficiaries through quick, reliable resources to apply for Extra Help, understand D-SNP plans, and access Medicaid benefits. Whether you're just getting started or need a refresher, we're here to make the process easier and clearer.
Apply online through the Social Security Administration to get help with prescription drug costs.
LEARN MORELocate your local Medicaid office to apply or check your eligibility.
LEARN MOREExplore Medicare Advantage plans tailored for dual eligible individuals.
LEARN MOREUse this free tool from the National Council on Aging to see what programs you may qualify for.
LEARN MOREMedicare Part B Penalty
You may face a 10% late enrollment penalty for each full 12-month period you delayed enrolling in Part B. You will pay this penalty for as long as you have Medicare Part B. This is calculated as 10% of the standard Part B monthly premium for each 12 months.
Medicare Part D Penalty
This penalty is 1% of the national base beneficiary premium for each month you were without creditable prescription drug coverage. The penalty amount is added to your monthly Part D premium and can last for as long as you have a Part D plan.
How to Avoid a Penalty
Enroll during your Initial Enrollment Period (IEP): This period begins three months before your 65th birthday month and ends three months after, totaling seven months.
Qualify for a Special Enrollment Period:
If you have other qualifying coverage, such as employer coverage, you may avoid the penalty by enrolling during a Special Enrollment Period (SEP) when that coverage ends.
Hi I'm Jack Morelock,
With over 20 years of experience in the insurance industry, I've dedicated my career to helping seniors navigate the often-confusing world of health insurance and final expense life insurance. I'm licensed in Ohio, Kentucky, and Indiana, and I specialize in providing clear, compassionate guidance tailored to each individual's needs.
But my work goes beyond policies and paperwork—I believe in building relationships and creating joyful experiences. That's why I host engaging community events like Bingo & Pizza Nights, Seasonal Cookouts, and Senior Photo Shoots. These gatherings aren't just fun—they're opportunities to connect, educate, and empower seniors to make informed decisions about their healthcare.
Whether you're looking for help understanding Medicare options or planning for final expenses, I’m here to make the process simple, personal, and even enjoyable.
Let's connect!
Explore upcoming events, get answers to your insurance questions, or schedule a one-on-one consultation. I'm here to help—because your peace of mind matters.


Play, Learn, and Have Fun!
Get ready for an afternoon of laughter, strategy, and surprises at Games & Benefits—where classic card games and beloved board games meet real-life knowledge that matters. Whether you're a master of Uno, a Scrabble savant, or just love a good round of dominoes, this event brings people together for fun and friendly competition.
While the dice roll and the cards shuffle, you'll also gain valuable insights into Medicare and Medicaid benefits—what they cover, how to access them, and how to make the most of your options. Experts will be on hand to answer questions, share tips, and help you feel confident about your healthcare choices. Prizes, refreshments, and plenty of good company await. Come for the games, leave with benefits that last a lifetime.
Prizes, refreshments, and plenty of good company await.
Come for the games, leave with benefits that last a lifetime.

Let's Paint & Learn!
Unleash your creativity and paint your way to peace of mind at our Let's Paint & Benefits event! Whether you're a seasoned artist or just curious about acrylics, this relaxing and colorful gathering is the perfect way to explore your artistic side while gaining valuable knowledge about Medicare and Medicaid benefits.
As you mix colors and create your masterpiece, you'll also learn how to make the most of your healthcare options—from coverage details to cost-saving tips. Experts will be on hand to answer questions and guide you through the essentials in a friendly, no-pressure setting. Art supplies provided. Refreshments served. Knowledge guaranteed. Come for the canvas, leave with clarity.
Art supplies provided. Refreshments served. Knowledge guaranteed.
Come for the canvas, leave with clarity.

Let's Go to the Movies & Learn!
Grab your popcorn and settle in for a special screening with a purpose! At our Let's Go to the Movie & Benefits event, you'll enjoy a great film in a relaxed setting—while also gaining valuable insights into Medicare and Medicaid benefits.
Before the opening credits roll, we'll share easy-to-understand tips on how to navigate your healthcare options, save money, and get the coverage you deserve. Whether you're new to Medicare or just want to stay informed, this is your chance to learn in a fun, no-pressure environment. Free admission, expert advice, and maybe even a few movie-themed prizes. Come for the entertainment, leave with empowerment.
Free admission, expert advice, and maybe even a few movie-themed prizes.
Come for the entertainment, leave with empowerment.

Savor the Flavor, Discover the Facts!
Get ready to fire up your appetite and your understanding at our BBQ Cookout & Benefits event! Join us for a mouthwatering afternoon filled with smoky grills, sizzling burgers, and all your favorite cookout classics—served with a side of essential knowledge about Medicare and Medicaid.
While you're enjoying the sunshine and good company, you'll also get the chance to learn how these healthcare programs can work for you. Experts will be on hand to answer questions, share tips, and help you feel confident about your coverage—all in a relaxed, welcoming setting. Free food, fresh insights, and a whole lot of fun. Come hungry for BBQ, leave full of clarity.
Free food, fresh insights, and a whole lot of fun.
Come hungry for BBQ, leave full of clarity.

Sandwiches, Soups, Salads—and Smarter Healthcare!
Hungry for flavor and clarity? Join us for Build & Benefits, a deliciously interactive event where you'll learn to craft the perfect sandwich, soup, and salad—while also gaining valuable insights into Medicare and Medicaid benefits.
Whether you're layering up a gourmet sandwich, simmering a hearty soup, or tossing a vibrant salad, our culinary guides will walk you through simple, healthy recipes that nourish both body and soul. And while the ingredients come together, so will your understanding of healthcare coverage—what's available, how to qualify, and how to make the most of your benefits. Fresh food, expert advice, and a welcoming atmosphere. Come curious, leave confident—and maybe a little full!
Fresh food, expert advice, and a welcoming atmosphere.
Come curious, leave confident—and maybe a little full!

Match the Numbers, Master Your Coverage!
Get ready to shout "Bingo!" and boost your healthcare know-how at our Bingo & Benefits event—a lively gathering where fun meets real-life understanding. Whether you're a seasoned player or new to the game, this is your chance to enjoy classic bingo rounds with friendly faces and exciting prizes.
As the numbers are called, you'll also discover how Medicare and Medicaid can work for you. From coverage basics to money-saving tips, our healthcare experts will be on hand to share insights, answer questions, and help you make the most of your benefits—all in a no-pressure, engaging environment. Great prizes, light refreshments, and valuable knowledge await. Come for the bingo, leave with benefits that count.
Great prizes, light refreshments, and valuable knowledge await.
Come for the bingo, leave with benefits that count.


"Thank you Jack so very much for helping us with our insurance needs. You found us insurance with much better benefits than we could have imagined. With the benefits card, and RX coverage, and deductibles,we save a lot of money. And any questions or problems that came up, you were right there immediately and took care of them. Thank you, thank you, thank you!"


Timothy and Linda
Let me guide you through the process of choosing the best company to fit your lifestyle

Medicare Advantage & Supplement plans

Comprehensive Medicare Advantage plans

Nationwide Medicare plans

Affordable Medicare Advantage and Part D plans

Prescription drug and Advantage plans

Preventive-focused Medicare Advantage

Local Medicare Advantage plans

Ohio-based Medicare plans

Simplified Medicare Advantage

Medicare and Medicaid plans

Dual-eligible and Advantage plans
Let me guide you through the process of choosing the best company to fit your lifestyle
We believe in giving back to the senior community through fun, meaningful, and completely free events. From bingo and pizza nights to seasonal cookouts and senior photo sessions, our gatherings are designed to bring joy, connection, and a little extra sparkle to your day. Hosted at senior living communities, these events are always free of charge—just come and enjoy!