We Help You Navigate Your Medicare Journey
970-822-2123
Who We Are
Your Local Licensed Insurance Agents
At Raven & Wolf Benefits Ltd., Courtney and TJ are dedicated to helping you find the right coverage to meet your Medicare and individual insurance needs. Since opening our doors in 2021, we’ve built our reputation on one simple promise: putting our clients first. That personal focus is what truly sets us apart.
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We offer a range of health insurance options and aim to be a trusted resource—not just during enrollment, but throughout your entire journey. As local agents who live and work in the same communities we serve, we’re here to make insurance feel more personal, more understandable, and more supportive.
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Whether you're exploring Medicare, Marketplace coverage, or just trying to make sense of your current plan, we’re here to help you navigate it—step by step.
Book an Appointment
Whether you're just getting started with Medicare, navigating a special enrollment period, or exploring individual coverage through the Marketplace, Courtney brings years of experience and a personal, no-pressure approach to every conversation. She’ll help you understand your options, compare plans, and make confident decisions—always with your unique needs in mind.
How we can we help you!
We believe that choosing the right insurance—whether it's Medicare or individual health coverage—is a personal decision that deserves time, clarity, and care. That’s why we offer a broad range of products through trusted carriers, so we can help each client find a solution that fits their unique needs, lifestyle, and budget.
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Our goal is to be more than just an agent—we’re here to be a resource and a guide, whether you're enrolling for the first time, reviewing your current plan, or just trying to make sense of your options.
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Schedule a time to meet with us, and we’ll help you navigate your insurance journey with the personalized support you deserve.
Understanding Medicare
Medicare is a federal health insurance program available to people who are 65 or older, certain individuals under 65 with disabilities, and those diagnosed with End-Stage Renal Disease (ESRD). It’s made up of different parts that cover hospital care, doctor visits, and other health needs. We’ll help you understand how it all works and what coverage makes the most sense for your situation.
Medicare Supplements (Medigap)
Medicare Supplement Insurance—commonly called Medigap—is designed to help cover the out-of-pocket costs that Original Medicare doesn’t pay for, like copayments, coinsurance, and deductibles. These plans are offered by private companies and work alongside your Medicare coverage to give you more financial predictability. We’ll help you compare plans and choose the one that’s the right fit for your needs.
Medicare Advantage Plans
Medicare Advantage Plans (also known as Part C) are an alternative to Original Medicare. These plans bundle Part A and Part B coverage and are offered by Medicare-approved private insurance companies. Many include prescription drug coverage, and some offer extra benefits like dental, vision, or fitness programs. Most plans require you to use a network of providers and have an annual limit on out-of-pocket costs. We’ll help you explore whether a Medicare Advantage plan is the best choice for your care and budget.
Veteran Specific Medicare Plans
If you’re a veteran exploring Medicare Advantage plans, you might wonder, “Will this cost me more?”
The good news is—many plans come at no additional cost and can work alongside your VA benefits.
Medicare Advantage plans tailored for veterans often offer extra coverage, enhanced benefits, and greater flexibility, all while helping protect you from unexpected medical expenses.
We’ll help you explore your options and see if a veteran-focused plan is the right fit for your needs.
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Prescription Drug Plans
Medicare Part D helps cover the cost of prescription medications and is available to anyone enrolled in Medicare. Even if you’re not currently taking medications, enrolling in drug coverage can help protect you from high costs in the future.
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To get coverage, you must enroll in a Medicare-approved plan that offers Part D benefits. Plans vary in price and which prescriptions are covered, so we’ll help you compare options and find one that fits your needs and budget.
Individual Insurance Plans
If you’re under 65 and not on Medicare, you may still need health coverage for yourself or your family. Individual health insurance plans—like those available through the Connect for Health Colorado Marketplace—can help cover doctor visits, prescriptions, and unexpected medical costs.
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We’re here to walk you through your options, explain how subsidies work, and help you find the right plan for your needs and budget. Whether you're self-employed, aging off a parent’s plan, or recently lost employer coverage, we can help you get covered.
Contact Us
Contact Raven & Wolf Benefits Ltd. today—we’re here to help you navigate your Medicare or Individual insurance journey with clear, personalized support.
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By providing your name and contact information, you consent to receive calls, text messages, and/or emails from a licensed insurance agent regarding Medicare or individual insurance plans. These communications may be sent using an auto-dialer or pre-recorded message, even if your number is on a government do-not-call registry. This consent is not a condition of enrollment.
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This is a solicitation for insurance.
Grand Junction CO, 81504
970-822-2123