KBellbenefits, LLC

Senior Market



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 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

  • 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 F, etc)

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


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

We represent all of the major insurance carriers in our area. 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 believes in treating each client as a member of the family.  We answer all of your questions and concerns with Medicare. 


As an independent New York State licensed insurance agent specializing in Medicare benefits in the Greater Rochester and Western New York Area, we sit down together and get to know you personally through a confidential needs assessment. I represent all of the major private Medicare insurance plans with Blue Cross Blue Shield Excellus, MVP, Aetna, Univera, and UnitedHealthcare in Monroe, Ontario, Genesee, Livingston, Wayne, Yates, Seneca, and Orleans counties (not all plans are in all counties).


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're not in this alone. We work for you.

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


p: 1-585-298-2700

f: 1-585-282-0982 

Whether you need to reach us for inquiries or information, we are here to answer your calls and email.
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.

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