I explain how Medicare works so that you can choose a plan with confidence
My goal is to make this process less daunting and more “friendly” than you ever imagined.
I am an independent, licensed Life and Health Insurance agent dedicated to helping Medicare beneficiaries find coverage that is well matched to their medical and financial needs. If you are looking for a guide through the Medicare “maze” … someone who can explain things clearly and reduce the stress of it all … then you have come to the right place!
from my clients
Cecelia was well-informed, professional and compassionate. We were able to explore various options which emphasized our needs and goals ….Highly recommended!
My experience was incredibly positive and defined what customer service should be ….Her advice was not influenced by where or how she would make the most money but by what was best for me.
Cecelia was a delight to work with. She responded immediately to my request for help and explained the process clearly and concisely. She certainly made Medicare “friendly”!
I can’t begin to tell you how wonderful my experience was ….Cecelia is now “Saint Cecelia”, explaining things to the point where even I got it!
If you are trying to navigate signing up for Medicare and are confused by all the different plans that are available, I can not recommend Cecelia and CHG Insurance Services highly enough …
“…. We very much appreciated her candor and easy manner in guiding us through the thicket and feel much more comfortable about the decisions we have to make going forward. I couldn't recommend Cecelia more highly!”
Cecelia Hobbs Gardner of CHG Insurance Services was my Medicare savior! Her incredible patience, clarity, supportiveness and top-notch professionalism made what could have been an overwhelming process for me very smooth …
Cecelia was a lifesaver and a genuine pleasure to work with ….Her explanations were thorough and clear, she was patient with questions and and was committed to finding me accurate answers …. I can't recommend her highly enough.
Cecelia was patient and informative about the options my husband and I have regarding Medicare and its range of options Cecelia is a professional who is knowledgeable, caring, insightful and genuine. My husband and I are very grateful for her help in making these important decisions.
I am very grateful to have someone with Cecelia's intelligence, breadth of knowledge, and welcoming manner to help me figure out the best way forward. It's amazing how much I learned from just one conversation!
Having a known advisor like Cecelia who is a trusted resource is most valuable to navigate the complexities of choices in the Medicare area.
Cecelia is a gem! Her patience, availability, professionalism, and knowledge are priceless.
I met 2 times virtually with Cecelia. She showed incredible knowledge and patience while talking me through all the options, discussing pros and cons and answering all my questions professionally.
I can't think of a better person to shepherd you through all phases of the Medicare maze. Cecelia made the entire process much less stressful and more transparent, explaining everything in plain English.
Cecelia … was extremely knowledgeable, informed, and helpful, listening to my needs and considering my unique situation … I would highly recommend her for her insight as well as her educated and caring approach to Medicare.
Cecelia clearly and patiently explained the too confusing Medicare scenario for me … She facilitated every step quickly and kindly. I'm so glad I called her!!!
Cecelia was just the right person to help me negotiate the Medicare enrollment system ….I would not hesitate to recommend Cecelia to anyone getting ready to join Medicare!
Working with Cecelia to figure out my Medicare choices was an excellent decision …. Her professionalism and demeanor made the process seamless …. Highly recommended!
Working with Cecelia made for a relaxing, stress-free experience …. Her specific knowledge was invaluable in a maze of confusing rules. Many thanks for an excellent experience all around!
Cecelia was patient and supportive throughout--there was no question or detail too small for her …. I will happily send anyone who is looking for help with health coverage to her. Thank you, Cecelia!
We spent two solid productive hours together, resulting at last in what looks like a tremendous improvement and price over my previous year's policy. I would highly recommend Cecelia and her services to anyone who needs assistance with their health insurance.
Cecelia is kind and patient and supremely well informed, and somehow manages to make an insanely complex system a little less daunting. You will never doubt that she is committed to finding what works best for you.
Cecelia is someone you can trust absolutely to find what is best for you. She is genuinely delightful, very knowledgeable, and I am so grateful for her guidance. I highly recommend her!
Cecelia uses her experience to guide you through the process, helping you to make the right choice. I feel relieved that I reached out to her and rest easy knowing that my option was the best one that fit my needs. I will continue to use Cecelia in the future and HIGHLY recommend her service!
Cecelia just carefully guided us by asking us the right questions and knowing what would suit our needs. My husband and I would highly recommend Cecelia to anyone looking for an excellent guide through the Medicare quagmire.
Within 24 hours of contacting Cecelia Hobbs Gardner, not only did I know what I needed, Cecelia had seen to it that I actually had what I needed.
Her extensive knowledge of the subject combined with clear and easy explanations helped guide me to the decision that was best for me. I give Cecelia my highest recommendation. You will not be disappointed!
She is not your average agent. I found her professional AND personable. We talked, we shared laughs, and she took care of me in a way that makes me want to tell all of my friends who are about to enter the Medicare age to seek out her counsel.
Finding Cecelia was a godsend. I knew right away I was in good hands — capable, knowledgeable, exacting, thorough, clear, and genuinely invested in finding the right plans for me and my needs. She really went the extra mile to make sure everything I needed was in place.
Cecelia Hobbs Gardner is a treasure …. She is our guide, and there are just not enough words of praise for the work she does and the loving attitude she brings to her clients. She's FIVE STAR!
My clients have generously shared their experience working with me but due to the personal and sensitive nature of our work, only first names are being used to protect their privacy.
Medicare Fall Open Enrollment
It is just around the corner — the Annual Election Period or, as it is often referred to, Fall Open Enrollment. This takes place from October 15 to December 7 and is the time of year when people with Medicare can make changes to their coverage.