Chris McMahon Insurance Agency
Licensed Insurance Agent · Pennsylvania
Philadelphia, Pennsylvania
I'm Chris McMahon, a licensed insurance agent in Pennsylvania. I sit down with people and explain how Medicare actually works — the parts, the deadlines, the penalties — so you can make a decision you understand instead of one you guessed at.
There's no charge for that conversation, and no obligation to buy anything.
Or call me directly at 267-843-8805.
Already have coverage? Get synced with me on PlanEnroll and I’ll see what you have before we talk.
What I help with
Turning 65, retiring later than 65, or reviewing coverage you already have. I'll walk you through how Parts A, B, C, and D fit together, what your enrollment deadlines are, and what the late-enrollment penalties cost if you miss one.
Already on Medicare? Sync your current plan to me and I'll know what you have before we talk — it takes about two minutes.
Medicare Advantage has plans built for specific situations, and most people who qualify have never heard of them. If you have Medicare and Medicaid, a Dual Eligible plan (D-SNP) is designed around that — these often add dental, vision, hearing, a monthly allowance for groceries or over-the-counter items, and rides to appointments, sometimes at no monthly premium. If you live with a chronic condition like diabetes, heart failure, COPD, or end-stage kidney disease, a Chronic Condition plan (C-SNP) is built around managing it, with care coordination and benefits aimed at that condition. I work with several carriers that offer both. Tell me your situation and I'll check what you qualify for.
I'm a Pennie-certified broker, so I can help you enroll through Pennsylvania's health insurance marketplace and find out whether you qualify for financial assistance.
Coverage to protect the people who depend on you, or to cover final expenses so the cost doesn't fall to your family.
The care Medicare largely doesn't pay for. Worth understanding well before you need it, because options narrow considerably once your health changes.
The retirement question nobody likes to say out loud: what if the money runs out before you do? An annuity turns part of your savings into a paycheck you can't outlive — steady, predictable, and not tied to what the market did this week. Some pay a fixed rate; some grow with the market but lock in a floor so a bad year can't take back what you've earned. I'll show you how each one actually works, in dollars, and tell you plainly if it isn't a fit.
Guarantees are backed by the claims-paying ability of the issuing insurance company. Annuities are long-term products and may carry surrender charges if money is withdrawn early.
Coverage for the everyday care that Original Medicare and most health plans leave out — cleanings, glasses, and hearing aids.
A cash payment if you're hurt in an accident or diagnosed with a serious illness, so an unexpected bill doesn't turn into a financial crisis on top of everything else.
Extra money paid directly to you for a hospital stay, or help covering the cost of care at home instead of in a facility.
Already have coverage? Sync it to me. Medicare, health coverage under 65, life insurance, or retirement savings — connect with me on PlanEnroll in about two minutes and I’ll know what you have before we talk. Nothing about your coverage changes.
Timing
Your 7-month window at 65. Three months before your birthday month, your birthday month, and three months after. Enrolling in the earliest part means coverage starts sooner.
October 15 to December 7. Medicare's Annual Enrollment Period. This is when you can change your coverage for the following year. Changes take effect January 1.
November 1 to January 15. Open enrollment through Pennie, for people under 65.
The envelope that arrives in September. If you're on a Medicare Advantage or drug plan, your plan mails you an Annual Notice of Change every September telling you exactly what's changing on January 1 — your costs, your pharmacy list, your network. It looks like junk mail. It is the most useful piece of paper you'll get all year. Please open it.
Annuities and interest rates
When the Federal Reserve raises rates, insurance companies generally follow, because the bonds backing their guarantees pay more. That’s why the rates carriers are offering on fixed annuities today look different from a few years ago — and why the question keeps coming up. They aren’t savings accounts, though, and they aren’t right for everyone.
A fixed annuity locks in a guaranteed rate for a set number of years. A fixed indexed annuity ties growth to a market index but puts a floor under it, so a bad year doesn’t cost you principal.
The guarantee comes from the insurance company’s ability to pay it — not the FDIC. Your money is committed for a surrender period, usually five to ten years, and taking it out early costs you. Withdrawals before 59½ can carry a tax penalty on top of that. Whether any of this makes sense depends on money you genuinely won’t need for a while, and on what else you’ve got.
If you want to know what the numbers look like for your situation, call me. No charge, no obligation.
Annuities are insurance products, not bank deposits. They are not FDIC insured and not guaranteed by any federal government agency. Guarantees depend on the financial strength and claims‑paying ability of the issuing insurance company. A fixed indexed annuity is not a stock market investment and does not directly participate in any stock or equity investment. Surrender charges may apply.
Serving Montgomery County & the Philadelphia region
No cost, no obligation
Fill this out and I'll get in touch — or pick a time for your call on the next page. If you'd rather just call me, the number is at the top of the page.
Already working with me on PlanEnroll, or want to be? Get synced — it pairs nicely with a call.
This is a solicitation of insurance. A licensed insurance agent may contact you.
About
I’m Chris McMahon. I’m based in Trooper, Pennsylvania, and before getting into insurance I spent more than twenty years at UPS. These days I help people cut through the fine print on Medicare, health coverage, and life insurance so they can make a decision that actually fits them — not just the one that’s easiest to sell.
I'm licensed in Pennsylvania and certified through Pennie, Pennsylvania's health insurance marketplace. I work with a number of insurance companies rather than just one, which means I'm not trying to fit you into a single company's products.
If you'd rather talk to someone who doesn't sell insurance at all, Pennsylvania offers free, unbiased Medicare counseling through PA MEDI (formerly APPRISE), available through your county Area Agency on Aging. You can also call 1‑800‑MEDICARE or visit Medicare.gov any time. I'd rather you understand your options than feel rushed.