KBellbenefits, LLC

Senior Market


in association with Pullano & Company

We provide OPTIONS
for your Medicare needs


What We Do

Each of our clients has unique needs.


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


There is never a fee for our service.


Your needs:


  • "New to Medicare" turning 65

  • Losing retiree or former employer health benefits after retirement

  • Changes in your health or wealth

  • Moving to a new area 

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


How we help:


  • Education on Original Medicare, Medicare Advantage, and Medicare Supplements, and Prescription Drug Plans, 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 options if your health or wealth changes

Medicare Choices


​Also referred to as “Part C” which combines 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

We represent all of the major insurance carriers in our area with a robust network of providers and facilities. You have choices. We can help.


"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

KBellbenefits, LLC, is entering our 15th year in the insurance business in 2021 and believes in treating each client as a member of the family.  We answer all of your questions and concerns with Medicare. 


We represent all of the major private Medicare insurance plans with Blue Cross Blue Shield Excellus, MVP, Aetna, Univera, and UnitedHealthcare in the Greater Rochester and Western New York Area (Monroe, Ontario, Genesee, Livingston, Wayne, Yates, Seneca, and Orleans counties but not all plans are available in all counties).

As an independent New York State licensed insurance agent specializing in Medicare benefits, we sit down together and get to know you through a confidential needs assessment. Our recommendations will meet your medical 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.

Since insurance plans and coverage options change from 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 agent and your advocate, we help you every step of the way:


1. Recognize Your Needs

2. Present Your Choices

3. Answer Your Questions

4. Implement Your Benefit Plan

5. Serve You Today and Tomorrow



Fun Facts


People turn
65 every day in the USA
through 2028


Number of people we have helped since we started


Number of days per year we are able to assist you


Average time in minutes to review plan options 1:1 

Contact Us

Thanks for submitting!


p: 1-585-298-2700

f: 1-585-282-0982 

My 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 in New York City to Buffalo and the 1000 Islands to the Southern Tier.

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Privacy Policy

Your privacy is important to us. It is KBellBenefits, LLC's policy 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.