Insurance You Keep

Our Mission at Insurance You Keep

At Insurance You Keep, our core mission is to demystify the often-complex world of health insurance, particularly Medicare. We understand that navigating the various options available can be overwhelming for individuals seeking the best coverage for their unique needs. That's why we are dedicated to providing personalized, tailored guidance to our clients in Delaware, Pennsylvania, Maryland, Florida, Arizona, and Texas. We strive to empower individuals by equipping them with a clear understanding of their insurance choices, enabling them to make confident and informed decisions about their healthcare coverage.

Why Choose a Broker?

When it comes to insurance, choosing the right professional can make all the difference. While agents represent a single insurance company, licensed brokers like those at Insurance You Keep work with multiple carriers. This allows us to access a broader range of plans and compare options side-by-side, ensuring you receive the most competitive rates and the comprehensive coverage you deserve. As a broker, we are compensated by the insurance companies, not by you, meaning you can count on our unbiased advice and dedication to finding the best solution for your specific circumstances. We pride ourselves on our transparent approach, always putting your needs first and guiding you through the entire process with clarity and expertise.

Medicare Expertise

Medicare can be particularly intricate, with a multitude of plans, options, and eligibility requirements. We specialize in helping individuals understand the nuances of Medicare, including Medicare Supplement, Medicare Advantage, and Part D drug coverage. Our team possesses in-depth knowledge of the latest Medicare regulations and industry trends, enabling us to provide accurate and up-to-date information. We will take the time to assess your individual health status, budgetary constraints, and desired coverage level to recommend the most suitable Medicare plan for your unique needs.

Dedicated to Client Satisfaction

At Insurance You Keep, personalized service is at the heart of everything we do. Our founders, Joe and Mercedes Ritter, are both licensed insurance professionals with extensive experience in the industry. Joe is a CLTC certified Long-Term Care specialist with a focus on unique Medicare Supplemental Insurance strategies and life insurance solutions. Mercedes, our creative consultant, is an authorized representative for Blue Cross Blue Shield and specializes in health insurance. They are committed to building lasting relationships with our clients by providing attentive and responsive support throughout the entire insurance process.

Testimonials

Our clients' satisfaction is our greatest testament to our commitment to excellence. We consistently receive positive feedback from individuals who have entrusted us with their insurance needs.

"Joe Ritter at Insurance You Keep worked with me to finalize my Medicare supplemental insurance and drug coverage choices. I was extremely impressed with Joe's knowledge and professionalism - he reviewed all of my options, answer my questions (very patiently), and made excellent suggestions." - Paul M.

"Joe Ritter, CEO, of Insurance You Keep, Bear Delaware, came to the rescue of my wife and me to help secure our Medicare Supplement Insurance in late December for our coverage in 2018. As an Independent Broker, he looked at all options for us and found the most cost-effective coverage for both of us." - Anthony D.

Life Insurance Solutions

Life insurance is a crucial aspect of financial planning, protecting your loved ones in the event of your passing. Our team can guide you through the complexities of life insurance, helping you choose a policy that meets your specific needs and budget. We offer a range of life insurance options, including term life and permanent life insurance, ensuring we find the best fit for your circumstances.

Dental and Vision Coverage

Maintaining good oral and eye health is essential. We offer a variety of dental and vision plans designed to meet diverse needs and budgets. Whether you are looking for comprehensive coverage or a more cost-effective plan, we can help you find the right options that align with your healthcare priorities.