Medicare decisions can be confusing and overwhelming. I will help you find a path forward by providing you with information you need to choose wisely.

Medicare decisions can be confusing and overwhelming. I will help you find a path forward by providing you with information you need to choose wisely.

Educate   AEM Insurance favicon logo

We take the time to explain the Medicare process, educating you on your choices so you may better understand your options.

Research   AEM Insurance favicon logo

With the information you provide, we explore the many available options and present you with the plan(s) that match your needs and wants.

Enroll   AEM Insurance favicon logo

We assist you in completing the enrollment process and submit your application(s) for the plan(s) you choose.

Support

Our services do not end with your enrollment. We are available throughout the year to answer your questions and can review your Medicare insurance options annually.

Educate

We take the time to explain the Medicare process, educating you on your choices so you may better understand your options.

AEM Insurance Logo Next Step

Research

With the information you provide, we explore the many available options and present you with the plan(s) that match your needs and wants.

AEM Insurance Logo Next Step

Enroll

We assist you in completing the enrollment process and submit your application(s) for the plan(s) you choose.

AEM Insurance Logo Next Step

Support

Our services do not end with your enrollment. We are available throughout the year to answer your questions and can review your Medicare insurance options annually.

Questions We Will Answer

  • How can I protect my income and assets from future health care costs?

  • What are the basics of Medicare and what do they cover?

  • When and how do I enroll? Do I have to enroll? What are the penalties associated with not enrolling?

  • Which insurance companies offer plans in my area?
  • When choosing a Medigap plan, what are the four critical questions I should ask before choosing a company?

  • How do Medicare Prescription Drug plans differ?

  • Once enrolled, how and when can I change my mind?

About

Meet Lorraine Richards

My family and I have been living in Western Springs for over 25 years and are active members of the community.

I believe that every Medicare beneficiary should have a reliable and knowledgeable resource to help them navigate what can sometimes be a very confusing and overwhelming system of rules and options. As an independent insurance agent and owner of AEM Insurance Agency Inc., I have access to the different companies that offer Medicare related plans in you area. You will benefit from my experience, AHIP training, 150+ hours of annual Medicare insurance training, and past work in insurance regulation & compliance. I look forward to speaking with you about your needs.

Lorraine Richards, owner AEM Insurance

Schedule Appointment

By filling out this form and by scheduling this meeting you are giving Lorraine Richards, a licensed insurance agent, or an employee of AEM Insurance Agency, Inc permission to call you. Medicare Advantage Plans, Prescription Drug Plans and/or Medicare Supplements may be discussed.

We use Calendly to schedule appointments. Please see Calendly’s cookie and privacy policy to learn more.

Education

Coming in 2025!

I will share ongoing educational topics about Medicare with you.

Medicare Workshops

I host Medicare Workshops
Next workshop: TBA

Events are for educational purposes only, no plan specific information will be shared

Community Outreach

Help the St. Francis Xavier food pantry, a member of the Greater Chicago Food Depository, serve those in need in our community. Drop off nonperishable food and household items Mondays 9 am-noon at the south door of the Rectory: 124 N Spring Ave, La Grange.