CUPS Insurance is a new agency; Sarah is not a new agent. Licensed since 2009, across eight product lines with one person who knows them all — and who checks your doctors and prescriptions before you decide.
For people turning 65 or already on Medicare — and for anyone whose plan changed underneath them.
Part C plans that bundle your hospital, medical and usually drug coverage into one plan, often with extras.
Who this is for: You are on Medicare or turning 65 in the next few months, you want one plan that covers most things, and you want someone to confirm your own doctors and prescriptions before you sign anything.
Plans that pay the gaps Original Medicare leaves behind, so you can use any doctor who accepts Medicare.
Who this is for: You want predictable costs and the freedom to see any doctor who takes Medicare without worrying about networks or referrals — and you would rather pay a steady monthly premium than face open-ended 20% coinsurance.
Standalone prescription coverage, matched to the drugs you actually take at the pharmacy you actually use.
Who this is for: You are on Original Medicare or a Medigap plan and need drug coverage, you take regular medications, or you take none and want to avoid a permanent penalty later.
For people buying their own coverage, and for closing the gaps a medical plan leaves behind.
Individual and family health insurance solutions through the Marketplace, with the tax credit applied properly.
Who this is for: You buy your own coverage: self-employed, an early retiree bridging to 65, between jobs, turning 26, or a family without an employer plan.
Temporary coverage for a defined gap — with its limits explained honestly before you buy.
Who this is for: You have a genuinely short, defined gap in coverage — a start date already on the calendar — and you have confirmed that no Special Enrollment Period is open to you.
Standalone coverage for the three things Original Medicare almost entirely leaves out.
Who this is for: You are on Original Medicare or a Medigap plan, or you are on an Advantage plan whose dental allowance does not go far enough for the work you actually need.
Cash paid directly to you for a covered hospital stay — designed to absorb the copays a plan leaves behind.
Who this is for: You are on a Medicare Advantage plan with meaningful daily hospital copays, or a high-deductible health plan, and a hospital stay would put real pressure on your household budget.
Cash benefits for injuries, emergency room visits and the follow-up care that comes after.
Who this is for: You have an active household or a high-deductible plan, and an unexpected emergency room visit would be a genuine financial problem rather than an inconvenience.
We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov or call 1-800-MEDICARE.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086
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