Your Health Coverage.
Handled With the Weight
It Deserves.
Most people enter Medicare without someone in their corner who has actually navigated the hard parts. Insurance Innovators was built for something different, by someone who had to learn it the hard way.
38
States Served
20+
Carrier Partners
~10
Years of Experience
We Listen
Our Promise
Medicare has layers most people never see.
The difference between adequate coverage and the right coverage often comes down to one conversation with someone who knows what to look for. Ben Sullivan has had thousands of those conversations. He built this agency so you don’t have to navigate it alone.
What We Cover
Every product we offer exists to protect you from a specific gap. We explain each one clearly, and only recommend what actually applies to your situation.
Medicare Advantage
All-in-one coverage from private carriers that bundles hospital, medical, and often prescription benefits. We review every option available in your area, not just the ones that advertise loudest.
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Medicare Supplement
Coverage that works alongside Original Medicare to fill the gaps. Hospital costs, coinsurance, deductibles.. these are the expenses that blindside people. Supplement plans exist to prevent exactly that.
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Part D Prescription Coverage
Standalone drug coverage that most Medicare beneficiaries need but few understand completely. Formularies, tiers, and pharmacy networks change every year. We review yours annually.
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Ancillary Products
Dental, vision, hearing, hospital indemnity, and cancer plans. The coverage Medicare doesn't include, explained clearly so you can decide what actually makes sense for your life.
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Ben with his mother, the reason Insurance Innovators exists.
Our Founder
It started with a phone call, a diagnosis, and a plan most people never know exists.
Nearly a decade ago, Ben Sullivan wasn’t an insurance agent. He was a son watching his mother navigate a serious illness, watching the medical bills mount in ways nobody had prepared the family for.
What he found through his own research changed everything. His mother qualified for catastrophic medication coverage. There was a Medicare Supplement that could manage her costs at Mayo Clinic. It was all available. Nobody had told them.
Read Ben’s StoryHow We Work
No confusion. No pressure. A clear process designed to get you the right coverage without the runaround.
01
Start a Conversation
Talk to Jenny anytime, or call us directly. Tell us your situation in plain language.
02
We Listen
Your doctors, prescriptions, budget, and priorities come first. Before we suggest anything.
03
We Find What Fits
Ben's team reviews what's available in your area and identifies the options that actually match your needs.
04
Coverage That Holds
No surprises. Annual reviews built in. We stay in your corner long after enrollment.
What People Say
We measure success by what happens after enrollment, not during the sales conversation.
“Working with Ben has saved me tons of time and money. Ben is well versed in this industry and was able to get me the coverage that is best for me.”
Jerry Kao
“My husband and I were happy with the preparation and results. We felt informed every step of the way.”
Lena Bolstrom
“Everything was simple and went faster than expected. Mahalos Ben!”
Marianne Hale
Available Now
Jenny is ready when you are.
Warm, knowledgeable, and available right now. Jenny has one job: make sure you understand your Medicare options before making a decision.
No pressure. No pitch. No obligation. Just clarity, from someone who has the answers.
Start a Conversation
Our Carrier Partners
We work with 20 major carriers across Medicare Advantage, Supplement, Part D, and ancillary lines. Coverage options reviewed for your ZIP code and situation.
Two Ways to Get Started
Your Timeline. Your Choice.
Whether you want a guided review with a licensed agent or prefer to browse plans on your own first, we’re here either way.
Talk to a Licensed Agent
Ben’s team reviews your doctors, prescriptions, and budget, then walks you through every plan available in your ZIP code. Unhurried. No pressure. No obligation. Just the clearest picture of your options you’ve ever had.
- ✓Personalized to your doctors and medications
- ✓Side-by-side plan comparison for your area
- ✓Annual review built in, every year
Browse Plans on Your Own
Prefer to explore first and decide at your own pace? Browse real Medicare plans available in your area right now. Compare costs, coverage, and benefits side by side. When you enroll on your own, we will follow up with you to make sure the plan fits your needs.
- ✓Real plans available in your ZIP code, right now
- ✓Compare costs and benefits at your own pace
- ✓We follow up to make sure the plan fits your needs
No account required. Coverage effective dates may vary.
Ready to Find Out Where You Actually Stand?
A licensed agent will review your situation. No pressure, no pitch, just honest answers.
Get a Free Medicare Review
Ben's team will reach out within one business day.