KBellbenefits, LLC

in association with Pullano & Company

Senior Market



Providing OPTIONS
for your Medicare needs


What We Do For You

If you are new to Medicare or you are already on Medicare, each of our clients has unique needs.


We provide professional, personal, local, one-on-one assistance to help you make an educated decision on which Medicare option is best for you.


There is never a fee for our services.


Your needs may be one or more of the following:


  • New to Medicare as you are turning 65 or, after 24 months deemed permanently disabled making you eligible for Medicare benefits

  • Losing retiree or employer health benefits after retirement

  • Changes in your health or wealth

  • Moving to a new zip code outside of your current plans service area

  • Special election period questions & how to avoid potential lifetime penalties for not enrolling in a timely manner


How we can assist you:


  • Education on Original Medicare (Part A & B), Medicare Advantage (Part C), Medicare Supplements (Medigap), and Prescription Drug Plans (PDP) or Part D

  • Assistance with enrollment and changing plans

  • Making sure you receive all of the benefits you are eligible for

  • Continued service throughout the year

  • Review your options if your health or wealth changes



​Also referred to as “Part C” which combines Original Medicare Part A & B, and usually Part D

  • MEDICARE SUPPLEMENTS (Plan G, Plan N, etc)

​Also referred to as “Medigap Plans” which supplement Original Medicare


​Also referred to as “Part D” which may be included with a Medicare Advantage Plan (Part C) or can be added as a stand-alone drug plan to Original Medicare or a Medicare Supplement

KBellbenefits, LLC represents all of the major insurance carriers in our area with a robust network of providers and facilities. You have choices and we can help guide you to your best options.

What Our Customers Are Saying

"When I turned 65, Karen took the time to assess my needs and provided me options. It was a relief to find someone who knows Medicare so well. It’s good to know that she’ll be with me through my retirement when plans change every year."


- John H, Pittsford


About Us

We are entering our 16th year in the insurance business in 2022 and along with treating each client as a member of the family, we also answer all of your questions and concerns with Medicare. 


KBellbenefits, LLC represents all of the major private Medicare insurance plans with Blue Cross Blue Shield Excellus, MVP, Aetna, Univera, and UnitedHealthcare in the Greater Rochester area, and Western New York (including but not limited to Monroe, Ontario, Genesee, Livingston, Wayne, Yates, Seneca, and Orleans counties however not all plans are not available in some counties.

As independent New York State licensed insurance agents specializing in Medicare benefits, we get to know each other through conversation and a confidential personal assessment. After we conclude our research, we then sit down together to review recommendations that will meet your medical, prescription, and lifestyle needs. 


If you are already enrolled in Medicare, we can compare your current plan coverage to see if there is a better fit. If you are facing a challenging diagnosis, let's talk about money savings options that are available.

Since insurance plans and coverage options change from zip code to zip code, year to year, along with your health or wealth, if your current plan no longer satisfies your needs, let's get together and review your concerns to find one that does. 


You never have to do this alone. We work for you all year long.

As your agents and your advocate, we help you every step of the way:


1. Recognize Your Needs

2. Answer Your Questions

3. Present Your Choices

4. Assist With Enrollment 

5. Serve You Today and Tomorrow



Fun Facts


People turn
65 every day in the USA
through 2028


Number of people I have helped since 2006


Number of days per year I am able to assist you


Average time in minutes to review plan options 1:1 

Contact Us

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p: 1-585-298-2700

  • phone only, no text capabilities

f: 1-585-282-0982

  • We use a virtual fax service. Please dial the complete 10 digit number with area code to ensure prompt delivery.

Our office is located alongside the historic Erie Canal at Schoen Place in Pittsford (by appointment only).
Whether you need to reach us for inquiries or information, we are here to answer your calls and emails within 1 business day.
Representing Medicare plans in the following New York counties: Monroe, Wayne, Ontario, Livingston, Yates, Seneca, Genesee, Orleans, and other Western, Central, and Southern Tier counties. We have clients located from New York City to Buffalo and the 1000 Islands to the Southern Tier. We are also licensed in Pennsylvania and North Carolina.

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Privacy Policy

Your privacy is important to us. KBellBenefits, LLC's policy is to respect your privacy regarding any information we may collect from you across our website, http://kbellbenefits.com..


We only ask for personal information when we truly need it to provide a service to you. We collect it by fair and lawful means, with your knowledge and consent. We also let you know why we’re collecting it and how it will be used.


We only retain collected information for as long as necessary to provide you with your requested service. What data we store, we’ll protect via encrypted means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use, or modification.


We don’t share any personally identifying information publicly or with third-parties, except when required to by law.


Our website does not link to external sites.


You are free to refuse our request for your personal information, with the understanding that we may be unable to provide you with some of your desired services.


Your continued use of our website will be regarded as acceptance of our practices around privacy and personal information. If you have any questions about how we handle user data and personal information, feel free to contact us.


This policy is effective as of 14 December 2020.