Clear Medicare Guidance, Wherever You Live

Guardian Health & Wealth: Your Trusted Guide to Medicare

Navigating Medicare can feel overwhelming, but at Guardian Health & Wealth, we make it simple. Our team provides personalized Medicare advice so you can understand your options and pick the plan that fits your health and lifestyle.

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Meet Michael Smith

Licensed insurance broker. Founder of Guardian Health & Wealth. Author of 64+: Your Ultimate Guide to Medicare & Retirement Planning. For 15 years I've helped people make sense of their coverage — because turning 65 shouldn't feel like homework you can fail.

✔  Based in Bowling Green, Kentucky; helping clients nationwide by phone and video
✔  Contracted with all the major carriers — not tied to one individual company
✔  A conversation, not a pitch — if staying put is your best move, I'll say so
✔  Help costs you nothing extra — commissions are built into plan pricing either way

More about Michael →

Talk it through

A free one-on-one consultation about your doctors, prescriptions, and timeline. Ten minutes usually answers the big question.

Schedule a call

Read the book

Get the complete digital edition of 64+ — the published guide to every decision coming at 65 — free.

Get the book

Browse plans yourself

Search and compare the plans available at your zip code — the same data we use, with online enrollment if you find your fit.

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Make Informed Medicare Decisions with Ease

We break down every part of Medicare in plain language. Compare Medicare Advantage, Medicare Supplement, and Prescription Drug Plans (Part D) all in one place. No jargon, no confusion, just clear information to help you make the right choice.

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Medicare Advantage (Part C) Plans

Medicare Advantage combines hospital, medical, and often prescription coverage in a single plan. Some plans may also offer extras like dental, vision, or hearing benefits. Our advisors help you see which options best match your needs.

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Medicare Supplement (Medigap) Plans

Medicare Supplement plans help cover costs that Original Medicare does not, like copays and coinsurance. These plans give you more flexibility and let you visit any provider who accepts Medicare.

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Prescription Drug Plans (Part D)

Part D drug plans lower your prescription costs and include many recommended medicines and vaccines. We help you compare plans from top carriers to find the one that works for you.

About Guardian Health & Wealth

Reach out to our licensed agents for tailored Medicare solutions that fit your unique needs. At Guardian Health & Wealth, we prioritize your health and financial security. Let us guide you through your options with clarity and confidence. Secure your future now!

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Medicare Guidance Wherever You Live

At Guardian Health & Wealth, we are dedicated to helping seniors understand Medicare with confidence. Our licensed team provides clear guidance and support so you can compare Medicare plans from top carriers and make informed decisions.

  • Friendly, licensed Medicare insurance agents
  • Clear, step-by-step guidance
  • Free, no-obligation Medicare support
  • Nationwide guidance by phone and video

64+: I Wrote the Book on Medicare

Not a pamphlet — a published book. 64+: Your Ultimate Guide to Medicare & Retirement Planning walks you through every decision coming at 65: enrollment windows and their lifetime penalties, Advantage vs. supplement, drug coverage, working past 65, and how it all fits your retirement. Get the complete digital edition free.

Featured Medicare Resources

Our Medicare resources provide answers to common questions and help you navigate your options:

What Clients Say

EXCELLENT
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Based on 15 reviews
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Christine Lemons profile picture
Christine Lemons
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This company went above and beyond to help me navigate the Medicare enrollment process. Michael was so patient with all of my questions.
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Loretta Marie profile picture
Loretta Marie
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Had a great experience with this agency. Always looking out for my best interest. Very patient with all my confusion and questions. Highly recommend this agency.
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Lisa Shafe profile picture
Lisa Shafe
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Micheal has been extremely helpful and patient. Whenever I have questions, all I need to do is pick up the phone. Thank you.
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Christine Mikesell profile picture
Christine Mikesell
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The people at Guardian are awesome. They are very caring and very helpful. I don't really know much about health insurance. But if ever I have a question or concern, I just have to get in touch with them and everything is explained until i understand. Can't go wrong with Guardian.
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Candy Potts profile picture
Candy Potts
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
He was very polite and knowledgeable
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Yvette profile picture
Yvette
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Michael is the best!! Great webinar, follows through, one on one meeting set up and completed. He is very easy to talk to and understand. You will be happy working with him and his team.
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Beverly Gillum profile picture
Beverly Gillum
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Michael Smith has been such a big help for my husband and myself and helping us find the best plan that works with our insurance needs. He is very knowledgeable and always willing to assist with any questions or concerns I have had. Michael has always gone over and beyond. We look forward to working with you.
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Rob Espy profile picture
Rob Espy
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a great experience working with Michael Smith. He was very knowledgeable, patient, and got me exactly what I was looking for and more!
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Helping Medicare clients nationwide by phone and video. Find us on Google.