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About Ted
Licensed Georgia Medicare Agent

You worked for this retirement.
Let's make sure it's protected.

Medicare covers a lot — but not everything. The right coverage combination makes sure a health event doesn't undo the financial security you've spent decades building.

Contact Ted Book a Free Coverage Review
Licensed Georgia Agent
Medicare Supplement Specialist
No-pressure, no-cost consultations
Serving all of Georgia
The Process

Simple. Straightforward. No pressure.

Three conversations. That's usually all it takes to go from confused to confident about your coverage.

1

We talk

A no-cost conversation where I learn your situation — health, budget, what you want to protect.

2

I show you the gaps

Before I show you anything to buy, I walk through what Medicare covers and where it stops.

3

We build your plan

I recommend what fits your situation. You decide what makes sense. My job is to make sure you understand your options.

Get in Touch

Let's have a conversation

No pressure, no pitch. Just a clear look at your coverage and your options. Reach out by email, text, or fill out the form and I'll be back in touch within one business day.

Call or Text
(813) 541-4011
Text for the fastest callback
Service Area
All of Georgia
Got it — Ted will reply within one business day.

Request a Free Coverage Review

Thank you! I'll be in touch within one business day to set up your free review.

Your information is private and will only be used to respond to your inquiry.

Medigap 2026 by Ted Sims
Now Available on Amazon

Medigap 2026: Pay a Premium for a Premium Product

The straight-talking guide to Medicare Supplement coverage — written for people who deserve a real answer, not a sales pitch.

Get It on Amazon Contact Ted Instead

What this book is

Most people approaching Medicare get the same thing: a stack of brochures and a recommendation they don't fully understand. This book is the conversation you deserved from the start.

It walks through how Medicare Supplement works, what the different plans actually cover, and how to think through the decision for the long term — not just the lowest premium today.

"When you educate, they make informed choices."
— Ted Sims

Who it's for

If you're turning 65, already on Medicare, or helping a spouse or parent navigate coverage — this book gives you the foundation to ask better questions and make a confident decision.

It doesn't push a product. It gives you the framework to think through your situation clearly, on your own terms.

"The cheapest plan at enrollment can be the most expensive decision a client ever makes."
— Ted Sims

What's inside

How Medigap works

What Original Medicare pays, what it doesn't, and where a Supplement fills the gap.

Plan G vs Plan N

An honest breakdown of when each plan makes financial sense for your situation.

Timing & enrollment

When to enroll, what happens if you wait, and the windows that matter most.

Agent red flags

What to watch for in a Medicare conversation — and questions worth asking.

Ready to read it?

Available now on Amazon. If you'd rather talk through your situation directly, reach out anytime.

Buy on Amazon Contact Ted
Coverage Options

What I help with

Medicare covers the essentials. These products cover the gaps — the bills and what-ifs that Medicare alone doesn't address.

Medicare Supplement (Medigap) Most Requested

Original Medicare leaves real out-of-pocket exposure — deductibles, coinsurance, and excess charges. A Supplement plan pays alongside Medicare to cover those gaps. The right plan depends on your health, how often you use care, and how you weigh premium cost against predictability. I walk every client through a side-by-side comparison so the numbers make sense.

Plan N — Best value when the math supports it Plan G — Most comprehensive HD Plan G — Lowest premium option

Hospital Indemnity

Even with a strong Supplement, a hospital stay can leave a bill. Hospital Indemnity pays a fixed cash benefit directly to you for each day of an inpatient stay — to use however you need. The right process covers the gap twice: first when we show what Medicare doesn't pay, and again when we show how Hospital Indemnity takes it off the table.

Fixed daily benefit Paid directly to you No network restrictions

Cancer, Stroke & Heart Coverage

A critical illness diagnosis doesn't just bring medical bills — it brings income disruption, travel costs, and out-of-pocket expenses Medicare was never designed to handle. This coverage pays a benefit at diagnosis, giving you financial flexibility when you need it most. Most agents skip this conversation. Their clients pay the price for it.

Cancer diagnosis coverage Heart attack & stroke Lump-sum or ongoing benefit

Short-Term Care

Recovery from surgery or illness sometimes means needing help at home or in a facility for weeks or months. Short-term care coverage fills that window before long-term care would kick in, protecting your assets and your family from an unexpected financial burden.

Home care & facility care Recovery & rehab coverage Bridges the long-term gap

Dental, Vision & Hearing

Original Medicare doesn't cover routine dental, eyeglasses, or hearing aids — three of the most common and costly out-of-pocket needs in retirement. These are straightforward to address and affordable to add. They're also among the first things people wish they'd done when they didn't.

Routine & major dental Eyeglasses & contacts Hearing aids

Not sure where to start?

That's exactly what the free coverage review is for. We start with what you have, find what's missing, and go from there.

Contact Ted Request a No-Obligation Quote
No Obligation · No Pressure

Request a Quote

Tell me about your situation and I'll put together real numbers — personally, no automation, no runaround, no commitment required.

1
What would you like a quote on?

Select all that apply. Once you pick a product, a dropdown will appear so you can tell me which plan or benefit type interests you — or just leave it as "Not sure yet" and we'll figure it out together.

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Medicare Supplement

Plan G, Plan N, HD Plan G

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Cancer Coverage

Diagnosis benefit coverage

❤️

Heart & Stroke

Critical illness coverage

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Short-Term Care

Home & facility recovery

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Hospital Indemnity

Fixed daily cash benefit

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Dental / Vision / Hearing

Routine & major coverage

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Not sure yet

Show me what fits my situation

2
About You
3
How should Ted reach you?

Select at least one. *

Email
Phone Call
Text Message
📱 Text / Call Consent (TCPA) By providing your phone number and selecting Phone Call or Text Message, you consent to be contacted by Ted Sims at the number provided, including via autodialed or prerecorded calls or text messages, regarding insurance products. Consent is not a condition of purchase. Message & data rates may apply. You may opt out at any time by replying STOP.
4
Anything else? (optional)
📋 Plan Availability (TPMO) 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 of your options.
🏛 Government Affiliation Ted Sims and RetireeBenefitsGuide.com are not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
🌐 Language Assistance Language assistance services are available free of charge. If you need help in your language, please call us.
🔒 Privacy & Data Use Your information is private and will only be used by Ted Sims to respond to this quote request. It will not be sold, shared with third parties, or used for automated marketing.

Ted Sims | Georgia Insurance License #641086 | ted.sims@tedsimsenterprises.com

TS
About Ted

Ted Sims
Licensed Georgia Medicare Agent

Insurance License #641086 · Serving all of Georgia · Based in North Atlanta

My job at that table

I've been helping people in Georgia navigate Medicare for years. Not selling — educating. There's a difference, and I think you can feel it the first time we talk.

Most people I sit down with don't realize what their plan leaves on the table until we walk through it together. That's not a failure on their part — it's a failure of the conversation that should have happened when they first enrolled. My job is to make sure that conversation happens, and that you leave it with a clear picture of what you have and what you don't.

"My job at that table is to make sure you understand what you have — and what you don't."

Why I do this

Medicare is the foundation. What it doesn't cover is where your job actually starts — and where most agents stop. The ancillary conversation, the gap education, the what-happens-if walkthrough — those are the conversations that change outcomes.

I'm not going to sugarcoat it: the wrong coverage — or no coverage at all — can undo decades of financial planning in a very short window. I've seen it happen. That's what drives this work.

"Medicare is the foundation. What it doesn't cover is where your job actually starts."

How I work

Every client gets the same process. We start with what Medicare covers, where it stops, and what that gap actually looks like in dollars. Then we talk about the options that fit your situation — your health, your budget, your life. I don't push every product on the shelf. I recommend what makes sense for you.

No pressure. No pitch. No confusion about what you're signing up for. The close happens on its own when the education is done right.

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Licensed in Georgia

Insurance License #641086

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Statewide Coverage

All of Georgia. Based in North Atlanta.

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Published Author

Medigap 2026 — on Amazon

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Independent Agent

Multiple carriers. No captive restrictions.

Ready to talk?

A no-cost conversation is where it all starts. Reach out or request a review below.

Contact Ted Schedule a Free Review