Covered by knowledge. Guided with care.
I'm Devonaire. I help Detroiters and families across four states make sense of Medicare, life insurance and extra coverage, one clear conversation at a time.
- Free consultation
- No obligation to enroll
- TTY 711
- MI
- OH
- IN
- KY
What brings you here today?
Pick the one that sounds like you.
- 4states licensed: MI, OH, IN & KY
- 5kinds of coverage under one roof
- $0to meet with me and compare options
- 1local advisor, before and after you enroll
Every option, explained plainly.
I'm an independent agent, so we can compare plans from several companies side by side. Open any option to see what we'll go over together.
Start with a free reviewMedicare Advantage Part C
An all-in-one alternative to Original Medicare that often combines hospital, medical and drug coverage, sometimes with extra benefits. We compare the plans I offer in your area.
What we'll review together
- Networks, copays and out-of-pocket limits
- Your doctors and hospitals
- Your prescriptions
- Extra benefits like dental or vision
Prescription Drug Plans Part D
Drug coverage that pairs with Original Medicare or a Medicare Supplement. We look at your actual medicines and pharmacies, not just the monthly premium.
What we'll review together
- Each plan's drug list
- Preferred pharmacies
- Total yearly drug costs
- Avoiding a late-enrollment penalty
Medicare Supplement Medigap
Helps pay what Original Medicare leaves behind, like deductibles and coinsurance, and lets you see any doctor who accepts Medicare.
What we'll review together
- Plan letters side by side (like G and N)
- When you can enroll
- Pairing it with a Part D plan
- Rate history and budget
Life Insurance Protect your family
Protect the people who depend on you. We talk through your goals and budget, then look at term, whole life and final expense options.
What we'll review together
- Term vs. permanent coverage
- Final expense planning
- How much coverage makes sense
- A monthly cost that fits
Dental, Vision & More Ancillary coverage
Extra coverage that helps fill the gaps in your health plan, so an unexpected bill or diagnosis doesn't catch you off guard.
What we'll review together
- Dental, vision & hearing
- Hospital indemnity
- Cancer, heart attack & stroke
- Accident coverage
- Home health care
Timing matters. Here's when.
Annual Enrollment opens October 15. Book your plan review early so we have time to compare.
- Around age 65
Initial Enrollment
A 7-month window: the 3 months before the month you turn 65, your birthday month, and the 3 months after.
- When Part B starts
Medigap Open Enrollment
6 months that begin when you're 65 or older and have Part B. You can buy any Medicare Supplement sold in your state, even with health problems.
- Oct 15 – Dec 7
Annual Enrollment
Join, switch or drop a Medicare Advantage or Part D plan. Your new coverage starts January 1.
- Jan 1 – Mar 31
Medicare Advantage Open Enrollment
Already in a Medicare Advantage plan? You can switch to another one, or go back to Original Medicare, one time.
Dates from Medicare.gov. Special Enrollment Periods may apply if you move, lose coverage or have other life changes. Ask me if one fits you.
“You deserve to understand your coverage before you choose it.”
I'm a licensed insurance agent based in the Detroit area and the founder of Covered by Devonaire. I explain how each option works, what it really costs and which questions to ask, then you make the decision that's right for you.
I work with people across Michigan, Ohio, Indiana and Kentucky, by phone or in person around Metro Detroit, and I'm still here long after you enroll.
- Education firstPlain language, no jargon, no rush.
- Choices, not pressureOptions from several companies, side by side.
- Local and reachableA local 313 number and a real conversation.
- Here after you enrollQuestions on bills, doctors or refills? Call me.
Proud member of the Summit Shores Advisors team.
Good to know.
Don't see yours? Call (313) 513-1006 and ask.
Does it cost anything to work with you?
No. There's no fee to meet with me or compare plans. Agents are paid by the insurance companies, so my help doesn't add to your premium.
Do you work with just one insurance company?
No. I'm independent, so I can compare plans from several companies. I don't offer every plan in every area, and you can always check Medicare.gov or call 1-800-MEDICARE too.
Do I have to enroll if we meet?
Never. Our conversation is for learning and comparing. You decide if and when to enroll.
Can we meet in person?
Yes, in the Metro Detroit area. I also meet by phone with anyone in Michigan, Ohio, Indiana or Kentucky.
What happens after I enroll?
I'm still your agent. Call me with questions about bills, doctors or prescriptions, and we can review your coverage each year during Annual Enrollment.