Questions? Call or text: 585-747-5475  ·  Free consultation · No obligation
Licensed Independent Medicare Broker · Based in Rochester, NY

Medicare Made
Simple & Personal

Medicare plans, NY State of Health marketplace coverage, Medicaid, and more — compare all your options with a local Rochester broker who works for you, at no cost.

Get My Free Plan Comparison 📞 Call 585-747-5475

No pressure · No hidden fees · Independent broker — I work for you

Why Work With Me

An Independent Agent Makes All The Difference

I'm not tied to one company — so I can shop across multiple carriers to find what's truly best for you.

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Truly Local

Born and raised in Rochester. I know the local providers, networks, and pharmacies — and I'm licensed to serve clients anywhere in New York State.

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Multiple Carriers

I represent Aetna, Humana, MVP Health Care, Excellus BlueCross BlueShield, and all carriers available across New York State — so you see the full picture, not one company's pitch.

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Always Free

My services cost you nothing. Carriers pay a commission — your premium is identical whether you use an agent or not.

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I Listen First

I take the time to listen, answer every question, and provide clear, honest guidance before recommending anything.

What I Can Help With

Coverage Options I Offer

From Medicare to life insurance — I help you find coverage that fits your life and budget.

Medicare Advantage

An all-in-one alternative to Original Medicare, often with dental, vision, and hearing benefits included.

  • $0 or low monthly premiums available
  • Bundled drug coverage (Part D)
  • Many plans include extra benefits
  • Great for budget-conscious enrollees

Medicare Supplement

Also called Medigap — covers gaps in Original Medicare like copays, coinsurance, and deductibles.

  • More predictable out-of-pocket costs
  • See any doctor who accepts Medicare
  • No network restrictions nationwide
  • Ideal if you travel frequently

Part D Drug Plans

Standalone prescription drug coverage to pair with Original Medicare or a Supplement plan.

  • Covers brand-name & generic drugs
  • Low monthly premiums available
  • Avoid the late enrollment penalty
  • Annual plan review recommended

Dental, Life & More

Beyond Medicare, I can help you explore additional coverage to protect your health and family.

  • Standalone dental plans
  • Life insurance
  • Final expense insurance
  • Bundled options available
Not Yet on Medicare?

Under 65? I Can Help You Too

As a certified NY State of Health broker, I help individuals, families, and children find quality, affordable health coverage — no matter your income or situation.

Marketplace Plans

Qualified Health Plans (QHPs) through NY State of Health for individuals and families who don't have employer coverage.

  • Income-based tax credits available
  • Comprehensive medical coverage
  • Multiple carrier options
  • Open Enrollment & Special Enrollment periods

Medicaid

Free or low-cost health coverage for eligible New Yorkers based on income and household size.

  • No monthly premium in most cases
  • Comprehensive benefits included
  • Available year-round — no enrollment period
  • I'll help determine if you qualify

Essential Plan

Low-cost coverage for New Yorkers who earn too much for Medicaid but want an affordable alternative to Marketplace plans.

  • $0 or very low monthly premiums
  • Low copays and no deductible
  • Covers doctor visits, prescriptions & more
  • Available to eligible NY residents

Child Health Plus

Low or no-cost health insurance for children under 19 in New York, regardless of immigration status.

  • Covers children up to age 19
  • Low or $0 premiums based on income
  • Dental and vision included
  • Available year-round

Not sure which program you qualify for? I'll figure it out for you — free of charge.

Find Out What You Qualify For
Trusted Partners & Verified Profiles
🌐 MedicareValue.com/Melissa ✅ Medicare Agents Hub Profile
Carriers I Represent

Top-Rated Plans from Trusted Carriers

As an independent broker, I work with multiple carriers so you get a real comparison — not a single company's offering.

Aetna
Humana
Excellus BlueCross BlueShield
MVP Health Care
+ All NY State Carriers
M
Melissa Goppert
TitleLicensed Independent Medicare Broker
LicenseNY #19733300
Phone585-747-5475
Emailmeltekenterprisesllc@gmail.com
CompanyMeltek Enterprises, LLC
About Melissa

Medicare doesn't have to be confusing.

As a licensed independent Medicare agent based in Rochester and serving all of New York State, I help people turning 65, retirees, veterans, and anyone navigating health coverage understand their options to choose a plan that fits their needs and budget.

I believe in taking the time to listen, answer questions, and provide clear, honest guidance. As an independent agent representing multiple carriers, including Aetna, Humana, MVP Health Care, and Excellus BlueCross BlueShield, I can help you compare all plans available in New York State and make an informed decision.

Whether you're enrolling for the first time or reviewing your current coverage, I'm here to make the process simple, straightforward, and stress-free.

Get Your Free Consultation
Common Questions

Answers From Melissa

Real questions from Medicare beneficiaries — answered honestly.

Q
What are the reasons I should work with a Medicare agent?
A Medicare agent is educated on the plans available in your area and can make the process simple and easy — whether it's your initial sign-up or an annual renewal review.
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Does my Medicare Advantage plan cover me when I travel to another state?
Many people are surprised to learn that Medicare Advantage plans generally cover emergency and urgent care anywhere in the US. If you travel often or spend part of the year in another state, it's important to check your plan's provider network and out-of-area benefits before enrolling.
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I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium?
Every person's situation is different. The lowest premium isn't always the lowest overall cost. If you see doctors often or expect higher medical expenses, paying a little more each month may save you money in the long run.
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How do Medicare agents and brokers get paid?
Medicare agents and brokers get paid by insurance carriers. The commission is generally the same regardless of which plan you choose, so a good agent should focus on helping you find the plan that best fits your needs.

Prefer to talk? Call or text anytime.

585-747-5475

Mon – Fri, 9 am – 6 pm · Evenings & weekends by appointment

meltekenterprisesllc@gmail.com

Verified & Listed On

Local Agent on Medicare Agents Hub - Melissa Goppert

Get Your Free Plan Comparison

Takes less than a minute. I'll reach out within one business day — no obligation, ever.

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