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Michael Stephenson
Licensed Insurance Professional
Michael Stephenson, a Medicare insurance expert, found his calling after a confusing experience approaching the age of 65. He met a sincere Medicare specialist and realized he could use his entrepreneurial spirit to help others. With a background in customer service and commitment from his successful construction company in California, Michael focuses on building trust and understanding with his clients.
He believes in going beyond transactions, understanding individual needs, health concerns, and life goals. Michael uses his and his clients' experiences to advise on health and financial risks and ensure security. He commits to yearly follow-ups to address evolving needs, fostering lasting relationships.
Outside of insurance, Michael enjoys personal and community engagement, family time, and travels with his wife. He's a dedicated sports fan and maintains a balanced lifestyle with regular exercise. His professional dedication mirrors his personal energy and makes him a steadfast ally for those navigating Medicare complexities.
About Legacy Insurance and Financial Services
Legacy is an agency of insurance professionals working primarily with those who are in or approaching retirement. We have a strong ethical commitment to serving clients through the recommendations of clear improvements in five specific areas:
Medicare
It’s confusing! We do a great deal of teaching on this subject, so our clients understand the key elements they need, to make informed decisions regarding their healthcare options.
Financial Security
We help our clients protect their financial assets by enrolling them in programs which will allow them to receive gains, take no losses, and will guarantee them a lifetime income. It’s all about safety and guarantees!
Accelerated Debt Elimination
We are not consumer credit counseling. We do no refinance debt. We help completely eliminate debt using insurance products. We show our clients how to pay off all their debt, including the mortgage, in less than 9 years on average, without spending more than they are right now.
Long-Term Care
Using insurance to cover some or all the costs of long-term care provides continued freedom of choice as well as additional asset protection.
Life Insurance
Whether the goal is to provide a legacy or simply cover final expenses, we have many excellent options from highly rated, long-standing insurance companies.
I've got you covered every step of the way
DELIVERING THE CONFIDENCE OF TOP CARRIERS
I cherry pick the carriers and plans here in Idaho — I am paid by them, not you, so there is no extra fee or cost for enrolling in Medicare through me. I can even provide you with carrier ratings and their history in yearly premium increases, to help you plan ahead.
FINDING A PLAN THAT FITS YOUR NEEDS
By telling me the names of your doctor(s), preferred hospital, which prescriptions you want covered and more, I am able to identify the best plans for you. I do the work so you don’t have to!
IDENTIFYING MEDICARE COVERAGE GAPS
Medicare has gaps in coverage that can end up costing you money and frustration down the road. I can proactively help identify those gaps and find solutions customized to your needs.
PROVIDING EXCELLENT FOLLOW UP
Hospitals, doctors and drug plans included in some Medicare plans are prone to change each year. I will keep you one step ahead and facilitate the needed changes to ensure you have what you need at the best price. If a claim issue arises, I will be your advocate in getting a timely resolution.
Michael Stephenson
LICENSED INSURANCE PROFESSIONAL
Michael Stephenson, a Medicare insurance expert, found his calling after a confusing experience approaching the age of 65. He met a sincere Medicare specialist and realized he could use his entrepreneurial spirit to help others. With a background in customer service and commitment from his successful construction company in California, Michael focuses on building trust and understanding with his clients.
He believes in going beyond transactions, understanding individual needs, health concerns, and life goals. Michael uses his and his clients' experiences to advise on health and financial risks and ensure security. He commits to yearly follow-ups to address evolving needs, fostering lasting relationships.
Outside of insurance, Michael enjoys personal and community engagement, family time, and travels with his wife. He's a dedicated sports fan and maintains a balanced lifestyle with regular exercise. His professional dedication mirrors his personal energy and makes him a steadfast ally for those navigating Medicare complexities.
About Legacy
Legacy is an agency of insurance professionals working primarily with those who are in or approaching retirement. We have a strong ethical commitment to serving clients through the recommendations of clear improvements in five specific areas:
Medicare
It’s confusing! We do a great deal of teaching on this subject, so our clients understand the key elements they need, to make informed decisions regarding their healthcare options.
Financial Security
We help our clients protect their financial assets by enrolling them in programs which will allow them to receive gains, take no losses, and will guarantee them a lifetime income. It’s all about safety and guarantees!
Accelerated Debt Elimination
We are not consumer credit counseling. We do no refinance debt. We help completely eliminate debt using insurance products. We show our clients how to pay off all their debt, including the mortgage, in less than 9 years on average, without spending more than they are right now.
Long-Term Care
Using insurance to cover some or all the costs of long-term care provides continued freedom of choice as well as additional asset protection.
Life Insurance
Whether the goal is to provide a legacy or simply cover final expenses, we have many excellent options from highly rated, long-standing insurance companies.
I've got you covered every step of the way!
DELIVERING THE CONFIDENCE TOP CARRIERS
I cherry pick the carriers and plans here in Idaho — I am paid by them, not you, so there is no extra fee or cost for enrolling in Medicare through me. I can even provide you with carrier ratings and their history in yearly premium increases, to help you plan ahead.
FINDING A PLAN THAT FITS YOUR
NEEDS
By telling me the names of your doctor(s), preferred hospital, which prescriptions you want covered and more, I am able to identify the best plans for you. I do the work so you don’t have to!
IDENTIFYING MEDICARE
COVERAGE GAPS
Medicare has gaps in coverage that can end up costing you money and frustration down the road. I can proactively help identify those gaps and find solutions customized to your needs.
PROVIDING EXCELLENT
FOLLOW UP
Hospitals, doctors and drug plans included in some Medicare plans are prone to change each year. I will keep you one step ahead and facilitate the needed changes to ensure you have what you need at the best price. If a claim issue arises, I will be your advocate in getting a timely resolution.
See what clients are
saying about my services.
“Michael is honest and personable. He doesn’t leave anything unfinished and so good at returning calls."
Patricia M. , Caldwell | Idaho
"Michael has helped me to get Health Coverage while walking me through some complications regarding my Medicare situation. We worked together to find the best plan for my needs. He is compassionate, professional, and very personable! I highly recommend his services!"
Cathy Garretson | Idaho
“Michael helped me see I was paying too much. I switched carriers and for the same benefits he saved me $150 a month.”
Renee T. Nampa | Idaho
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See what clients are saying about my services
“Michael is honest and personable. He doesn’t leave anything unfinished and so good at returning calls."
Patricia M. , Caldwell | Idaho
"Michael has helped me to get Health Coverage while walking me through some complications regarding my Medicare situation. We worked together to find the best plan for my needs. He is compassionate, professional, and very personable! I highly recommend his services!"
Cathy Garretson | Idaho
“Michael helped me see I was paying too much. I switched carriers and for the same benefits he saved me $150 a month.”
Renee T. Nampa | Idaho
Legacy Insurance & Financial Services, LLC is not affiliated with or endorsed by the Social Security Administration or any other government agency. Advisory services are offered by Simple Financial, LLC an Investment Advisor in the State of Utah. All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication of future results. Purchases are subject to suitability. Specific to Medicare Advantage Plans and Medicare Part D Plans, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. Opinions expressed herein are solely those of Legacy Insurance & Financial Services, LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell insurance or advisory services to any residents of any state other than where legally permitted. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph. Purchases are subject to suitability. By submitting any information on or through this site using a ‘submit’ button you agree by electronic signature to be contacted by a representative of Legacy Insurance & Financial Services, LLC by automated, prerecorded or manual SMS, text, email, or phone for the purpose of seeing to your request. The inclusion of any link is not an endorsement of any products or services by Legacy Insurance & Financial Services, LLC, or any of its associates. All links have been provided only as a convenience. These include links to websites operated by other government agencies, nonprofit organizations and private businesses. When you use one of these links, you are no longer on this site and this Privacy Notice will not apply. When you link to another website, you are subject to the privacy of that new site. When you follow a link to one of these sites neither Legacy Insurance & Financial Services, LLC, nor any agency, officer, or employee of Legacy Insurance & Financial Services, LLC warrants the accuracy, reliability or timeliness of any information published by these external sites, nor endorses any content, viewpoints, products, or services linked from these systems, and cannot be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of their information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from these systems does so at her or his own risk.