Your Health, Your Options, Your Peace of Mind


The Health Insurance Marketplace is a platform that offers insurance plans to individuals, families, and small businesses. The Affordable Care Act (ACA) established the Marketplace as a means to extend health insurance coverage to uninsured Americans. Every health plan in the Marketplace offers the same set of essential health benefits, including doctor visits, preventative care, hospitalization, and more. I help you find health coverage that fits your needs and budget.


Medicare Advantage Plans are also called Part C of Medicare. They are usually a HMO or PPO and can include prescription drug benefits. One plan and one card. There are pros and cons to Medicare Advantage Plans. I can help you analyze your choices, find plans that have the doctors you currently use and have a prescription drug formulary that works with your medication needs.


Medicare Supplement Plans are also called Medigap Plans.  These plans work with Original Medicare and cover some or most of the out of pocket costs that Original Medicare does not pay.  You do not need referrals and can see any doctor who accepts Medicare patients.  Prescription Drug Plans must be purchased separately. There are pros and cons to choosing a Medicare Supplement Plan and I help you evaluate your choices.  I can also help you find an appropriate Prescription Drug Plan (PDP).


Dual Eligible Special Needs Plans (D-SNPs) are Medicare Advantage Plans that coordinate benefits between Medicare and Medicaid (AHCCCS/ALTCS). To qualify for a Dual Special Needs Plan you must qualify for Medicare and Medicaid. These plans provide enhanced benefits which may include dental, hearing, vision transportation, gym membership and over the counter benefits.

Health Insurance Made Easy: I Have Your Back!


As your dedicated health insurance broker, my primary mission is to be your reliable guide through the often complex and daunting world of health insurance, navigating your plan including access to care and resolving billing issues. I am here to ensure that you have a comprehensive understanding of your coverage options, empowering you to make informed decisions that best suit your unique health care needs and financial situation. I’ll take the time to assess your specific requirements and navigate the maze of policies and plans available, presenting you with personalized recommendations tailored to your preferences. When it comes to billing, I will work diligently to resolve any discrepancies or issues, advocating on your behalf to maximize your benefits and minimize potential out of pocket costs. I will be your advocate providing unwavering support, transparency and expertise throughout your healthcare journey. Together we will achieve peace of mind and security in your health coverage, so you can focus on what matters most-your well-being.


I am a licensed health and life insurance agent. I am an expert in healthcare navigation and speak nationally and locally on healthcare, Medicare, Medicaid (AHCCCS and ALTCS), the dually eligible, third party billing and navigating systems of care successfully.  I have over 23 years of experience assisting families in navigating a variety of health care systems including group employer insurance, Medicare, Medicaid (AHCCCS and ALTCS).  I am passionate about helping individuals, seniors and the dually eligible navigate the Marketplace and Medicare ensuring that my clients get the right plan for their unique needs.  I help my clients accurately assess their risk and offset that risk.  I do this at no cost to my clients.

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Cynthia Macluskie

Not affiliated with the U.S. government or federal Medicare program. 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 or 1–800 MEDICARE to get information on all of your options.