ACA Marketplace Plans * Medicare Advantage Plans *  Medicare Supplement Plans * Prescription Drug Plans

I represent all the major carriers and specialize in health insurance designed for those under 65, seniors and the dually eligible in the great state of Arizona.


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.


For 15 years I have served on several work groups and committees for a variety of organizations including Division of Developmental Disabilities, Department of Economic Security, AHCCCS, and Phoenix Children’s Hospital.  I am currently the Vice President of Autism Society of Greater Phoenix, a board member of Moriah Cooperative and serve on the Governor’s Advisory Committee for Autism Spectrum Disorder. I am extremely knowledgeable about AHCCCS and ALTCS (Medicaid) and Medicare and how they can work together to give enhanced benefits and coordinated care to improve outcomes.


There are gaps in coverage whether you select Original Medicare with a Medicare Supplement or a Medicare Advantage Plan and there are ancillary products to fill those gaps.  I review coverage and look for the appropriate solutions for those gaps.

  • Dental, Vision and Hearing Plans
  • Cancer, Heart or Stroke Insurance Plan
  • Short Term Home Health Plan
  • Hospital Indemnity Plan


I am a licensed health and life insurance agent in the state of Arizona 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 20 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 seniors and the dually eligible navigate 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.


Finding the right Medicare plan can be very confusing and overwhelming.  I spend time with  my clients educating them on all of their Medicare choices, the pros and cons of each choice and then find the right Medicare Advantage Plan or Medicare Supplement Plan for their unique needs.  I take into consideration what doctors my clients like, the medications they take and find the right plan that best suits those requirements.  I also assess risks and gaps in their coverage and make recommendations to cover those risks.  The analysis is at no cost to my clients.

Cynthia Macluskie

I believe in building client relationships on honesty and transparency. I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact or 800-Medicare to get all your options.

There are specific reasons I may not represent a plan, such as the company does not work through the broker channel, or I choose not to associate my reputation with a company that may lack my standards of quality and customer experience.