Medicare Plans
Made Simple
Medicare made clear — we match you with the right plan, right benefits, right cost. No confusion, no pressure.
About Us
Valerie Nixon, NPN 17144116, is a Licensed Insurance Broker, Benefits Advisor, and dedicated Problem Solver with a genuine passion for connecting individuals, families, and businesses with the coverage they truly deserve.
With years of experience navigating the complex world of insurance, the mission at Grace Benefits Group has always been simple: to be the advocate in your corner — not just at enrollment, but every step of the way.
We are licensed in Connecticut, Delaware, District of Columbia, Florida, Georgia, Maryland, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Virginia, West Virginia, and Wisconsin. We provide coverage for individuals 10 days and older. If you're located in another state, I'm happy to connect you with a trusted licensed agent for assistance.
Our Services
At Grace Benefits Group we offer a comprehensive suite of benefit solutions designed to meet you exactly where you are in life. We serve clients throughout the United States and cover anyone 10 days and older.
Life Insurance
Life insurance is one of the most meaningful gifts you can provide for those you love. We focus on two cornerstone solutions built to deliver lasting peace of mind.
Now Hiring
Are you passionate about making a real difference in people's lives? We are looking for motivated, compassionate agents to join our dynamic team at Grace Benefits Group.
Discounted pre-licensing training is available to get you licensed and ready to serve clients with confidence. Grow your own book of business under the Grace Benefits Group umbrella — where your success is our mission.
Veterans
Our nation's Veterans deserve nothing less than the very best. Supporting Veterans is not a campaign or a season. It is a daily commitment.
Plan Review
Your healthcare needs change over time — and your plan should keep up. Our Plan Review service is available year-round to ensure your coverage always works as hard as you do — at no cost to you.
📄Complete Your Scope of Appointment (SOA) → 📅Schedule Your Appointment →A Scope of Appointment (SOA) is required before discussing Medicare Advantage or Part D plans.
Am I Eligible?
Who Qualifies for Medicare
You are eligible for Part A at no cost at age 65 if any of the qualifying conditions below apply to you. Read through each category to understand your path to coverage.
Eligible at Age 65
You are eligible for Part A at no cost at age 65 if any of the following conditions apply:
- You receive or are eligible to receive benefits from Social Security or the Railroad Retirement Board (RRB).
- Your spouse (living or deceased, including a divorced spouse) receives or is eligible to receive Social Security or RRB benefits.
- You or your spouse worked long enough in a government job where you paid Medicare taxes.
- You are the dependent parent of a fully insured deceased child.
Medicare Eligibility Before Age 65
Before age 65, you are eligible for Medicare Part A at no cost if any of the following conditions apply:
- You've received Social Security Disability Insurance (SSDI) benefits for 24 months.
- You receive a disability pension from the Railroad Retirement Board (RRB) and meet certain conditions.
- You receive SSDI benefits and have Lou Gehrig's disease (amyotrophic lateral sclerosis).
- You worked long enough in a government job where you paid Medicare taxes and have met the requirements of the SSDI program for 24 months.
- You are the child or surviving spouse (age 50 or older, including a divorced surviving spouse) of a worker who has worked long enough under Social Security or in a Medicare-covered government job and meet the requirements of the SSDI program.
Kidney Failure Before Age 65 (ESRD)
You have permanent kidney failure (end-stage renal disease) and receive maintenance dialysis or a kidney transplant, and one of the following applies:
- You've worked long enough under Social Security or the railroad retirement system.
- You've worked long enough in a Medicare-covered government job.
- You are the child or spouse (including a divorced spouse) of a worker (living or deceased) who has worked long enough under Social Security or the railroad retirement system, or in a Medicare-covered government job.
📋 Part B Eligibility & Purchase Options
Anyone eligible for Medicare Part A at no cost can enroll in Medicare Part B by paying a monthly premium. Those with higher incomes may have to pay a higher monthly premium for Part B.
If you are not eligible for Part A at no cost, you can purchase Part B without needing to buy Part A. To be eligible, you must be age 65 or older and meet one of the following criteria:
- Be a U.S. citizen.
- Be a lawfully admitted noncitizen who has lived in the United States for at least 5 years.
⚠️ You can only sign up for Part B during designated enrollment periods. If you don't enroll in Part B when you are first eligible, you may have to pay a late enrollment penalty for as long as you have Part B coverage.
Not sure if you qualify? Let's find out together —
a free conversation with a licensed adviser.
Coverage Options
Medicare Coverage
Medicare Part A and Part B (Original Medicare) do not cover all medical expenses. Obtaining additional coverage can help you better manage or reduce your out-of-pocket costs.
Not sure which additional coverage you need? A licensed advisor will compare your options side by side — at no cost to you.
Your Options
Every Medicare situation is different. Let Valerie compare plans available in your area, check your doctors are in-network, and find you the coverage for your budget.
Why Grace Benefits Group
We Work For You,
Not the Insurance Company
As independent licensed brokers, our job is to find the plan that fits your need.
Personalized Plan Matching
We review your doctors, medications, and health needs to match you with a plan that actually works for your situation.
Open Annual Enrollment
Open enrollment is once a year, but questions happen year-round. We are available to review your plan, help with claims, and answer questions whenever you need us.
Always Free to You
Our services cost you nothing. We are compensated by the insurance carriers — so you get expert, unbiased guidance at no cost or obligation.
Honest Limitations
Not every plan is available in every area. We will always tell you when a plan isn't offered where you live and point you to the best available alternatives.
Veterans Specialist
We provide dedicated guidance for Veterans navigating VA benefits alongside Medicare. VA coverage is great, but it's not a substitute for Medicare — having both gives you flexibility and protection. Every day is Veterans Day at Grace Benefits Group.
Open Annual Enrollment
Plans change every year. We proactively review your coverage before each AEP to ensure your plan still matches your needs and budget.
What Our Clients Say
"I always felt overwhelmed trying to compare Medicare plans on my own. Grace Benefits Group made the process so simple. They explained everything in plain language and helped me choose the plan that actually fit my needs without pushing me into something I didn't want."
"What stood out to me was how patient they were. Instead of rushing me through, they took the time to understand my situation and walked me through every option. I never felt like I was being sold to — just guided toward the right choice."
"Helping my mom with her Medicare was stressful until we found Grace Benefits Group. Their team made the whole process effortless. They listened, answered every question, and gave us total peace of mind. It felt like having a trusted partner on our side."
"The staff at Grace Benefits Group went above and beyond. They didn't just hand me information — they walked me through it step by step. I now have a plan that covers my prescriptions and gives me peace of mind. Truly a five-star service."
Careers
Become a Licensed Medicare Agent
with Grace Benefits Group
We're more than just a team — we're a support system that helps you succeed.
Whether you're just getting started or looking to grow your existing business, we provide everything you need: expert training, lead generation, ongoing support, and a real community that has your back. Take the next step in your career with confidence — knowing you're backed by a team that's invested in your success.
How We Are Helping You
Become a Licensed Agent
Grace Benefits Group gives independent agents the tools, training, and leads they need to build a thriving Medicare practice — without having to figure it out alone. Our agents are supported from day one, from pre-licensing through their first client and beyond.
Why Join Grace Benefits Group
Discounted Pre-Licensing Training
No Experience Required
Lead Assistance
Health Insurance
Work from Anywhere
Mentorship & Support
Competitive Commissions
Benefits of Working With Us
Everything you need to run a successful Medicare practice, all in one place.
…and much more. Let's talk about what matters most to you.
What happens after you apply
Valerie reviews your application
Within 1 business day, Valerie personally reviews every application and reaches out directly.
Intro Call from Valerie
No-pressure call to learn about your goals, answer your questions, and make sure it's the right fit for both of us.
Begin discounted pre-licensing training
If you're not yet licensed, we connect you with discounted pre-licensing education immediately. You'll be ready to write business faster than you think.
Meet Valerie
Valerie built Grace Benefits Group on one simple belief: agents succeed when they have genuine support. Not just access to carriers, but real mentorship, real leads, and a leader who picks up the phone.
When you join, you're not getting dropped into a portal and left to figure it out. You're getting a partner who is invested in your growth from day one.