Eastern Hamilton County & Central Indiana
Medicare Made Simple — Right Here in Hamilton County.
Gary Zent is an independent Medicare insurance broker serving eastern Hamilton County and central Indiana. He helps you find the right Medigap plan — at no cost to you.
Free consultation · No pressure · No cost to you
What is Medigap?
Original Medicare leaves gaps. Medigap fills them.
Original Medicare (Parts A & B) covers a lot — but not everything. You're still responsible for deductibles, copays, and coinsurance that can add up quickly.
A Medigap (Medicare Supplement) plan is private insurance that works alongside Original Medicare to cover those out-of-pocket costs. The right plan means fewer surprises and more predictable healthcare expenses.
Gary works with multiple carriers to find the plan that fits your health needs and your budget — not just whatever pays the highest commission.
Plan Options
The two most popular Medigap plans, explained simply.
Most Indiana seniors choose between Plan G and Plan N. Here's how they compare:
Plan G
Most ComprehensivePlan G covers nearly everything Original Medicare doesn't — including the Part A deductible, skilled nursing coinsurance, and foreign travel emergencies. After you pay the annual Part B deductible, Plan G covers the rest.
Best for: Seniors who want maximum coverage and predictable costs.
Plan N
Best ValuePlan N offers strong coverage at a lower monthly premium. You'll pay small copays for some office and ER visits, but there are no surprise bills beyond that. It's a smart choice if you're generally healthy and want to save on premiums.
Best for: Seniors who want solid coverage with lower monthly costs.
Not sure which plan is right for you? Gary will walk you through the options with no pressure and no jargon.
Why Choose Gary
A local expert who works for you — not the insurance company.
Truly Independent
Gary is not captive to any single insurance carrier. He shops multiple companies to find the plan that genuinely fits your needs and budget — not the one with the highest commission.
Local & Personal
Gary lives and works in eastern Hamilton County. He knows the local healthcare landscape, the doctors, and the hospitals — and he's available when you have questions, not just at enrollment time.
Free to You
Gary's services cost you nothing. Insurance brokers are compensated by the carriers, so you get expert guidance, plan comparisons, and enrollment help at absolutely no charge.
Trusted by Hamilton County seniors.
Gary has been so very professional and responsive to my needs that I am glad to recommend him. He is experienced, which is so important! Whenever I have a question, he is right there with the answer. Plus all that, he is just a really nice guy! Deal with this business with confidence, knowing you have made a good choice.
Joan M.
Carmel, IN
Gary was referred to me for advice on Medicare insurance plans. We met in person and he reviewed and explained the available plans. Gary capably explained the pros and cons of the different plans. Gary then helped walk me through the online application. It has been 6 months since I signed up for the insurance and Gary has reached out several times to follow up with me on any questions or issues that I may have. I am extremely satisfied with Gary's efforts and would recommend him to others.
Dennis Zawodki
Merrillville, IN
I highly recommend Gary Zent to anyone seeking advice for their retirement. He is a thoughtful, caring professional. Gary was a tremendous resource when my wife and I were faced with a multitude of decisions about Social Security, Medicare and related supplements. He is both knowledgeable and trustworthy. (You definitely don't want one without the other.)
Jerry Brewton
Fishers, IN
Ready to find the right plan?
Whether you're turning 65 or looking to switch, Gary will help you compare plans and enroll — at no cost to you. Serving eastern Hamilton County and central Indiana.
What to expect:
A friendly, no-pressure conversation about your health needs and budget
A clear comparison of plans from multiple carriers
Enrollment help from start to finish — Gary handles the paperwork
Ongoing support after enrollment — Gary is available year-round