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KBellbenefits, LLC

in association with Pullano & Company

Senior Market



Providing OPTIONS
for your Medicare needs


What We Do
Karen is seated assisting a couple.

What We Do

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 to select.


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

Plan Options*


​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

*At KBellbenefits, LLC, we know that you have choices and we can help guide you. In the Greater Rochester, Western New York area, we represent six (6) organizations which offer 40 products . You can always contact Medicare. gov, 1-800-MEDICARE, or your local State Health Insurance Program for help with plan choices.

Medicare Choices

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

In September 2023, I entered my 17th year in the insurance industry. We treat each client as a member of the family.  My team and I also answer all of your questions and concerns about Medicare options. 


Although we are based in Rochester, New York, I am also licensed in Pennsylvania, North Carolina, and South Carolina for Medicare plans.

In Western New York, we represent many of the Medicare Advantage insurance plans including those from Aetna, Blue Cross Blue Shield Excellus, Humana, MVP, Univera Healthcare, UnitedHealthcare, and WellCare (including but not limited to Monroe, Ontario, Genesee, Orleans, Livingston, Wayne, Yates, Seneca, Erie, and Stueben counties however not all plans are not available in all counties and we may not represent all plans in all counties).

As an independent licensed insurance agent 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 a Medicare plan, we can compare your current coverage to see if there is a better fit for your medical, prescription drugs, ancillary benefits (dental, vision, hearing, and fitness) and lifestyle (such as snowbirding).


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 is no longer meeting your needs, let's get together and review your concerns to find a plan 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


About Us
Karen is assisting a couple

Fun Facts


People turn 65 every day in the USA through 2028


Number of people we have helped since 2006


Number of days per year we are able to assist you


Average time in minutes to review plan options 1:1 

Fun Facts
Contact Us

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 from New York City to Buffalo and the 1000 Islands to the Southern Tier. We are also licensed in Pennsylvania and North Carolina. Not all Medicare plans are available in every county. We may not represent all Medicare plans in every county.

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Privacy policy is effective as of August 2022.


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,


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.


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.

KBellbenefits, LLC Accessibility Statement

Accessibility policy updated: August 2022.

Accessibility Statement



KBellbenefits, LLC strives to ensure that its services are accessible to people with disabilities. KBellbenefits, LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Accessibility on makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

Enabling the Accessibility Menu

The accessibility menu can be enabled either by hitting the tab key when the page first loads or by clicking the accessibility menu icon that appears on the corner of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.


KBellbenefits, LLC continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

In an ongoing effort to continually improve and remediate accessibility issues, we also regularly scan with UserWay's Accessibility Scanner to identify and fix every possible accessibility barrier on our site. Despite our efforts to make all pages and content on fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

Here For You

If you are experiencing difficulty with any content on or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

Contact Us

If you wish to report an accessibility issue, have any questions or need assistance, please contact KBellbenefits, LLC Customer Support as follows:

Phone: Phone: 15852982700

Privacy Policy
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