Personalized advice for Medicare-eligibles who want peace of mind — without the stress.
• Specialized Medicare broker since 2010
• Caring, personalized service — we treat you like family
• Always just a phone call, email or text away
• We make Medicare simple and stress-free
• We will help you for free. If you choose to enroll in a plan, then we are compensated by the insurance company
• Hundreds of happy clients across Colorado, California, Florida, Michigan and Texas
With a professional foundation in creative design and communications, I’ve built a career centered on clarity, connection, and care. My early experience producing impactful materials—from catalogs and brochures to logos and educational resources—honed my ability to translate complex ideas into clear, engaging messages that resonate with diverse audiences.That same creativity and empathy now guide my work as a licensed Medicare agent and founder of Heart of Medicare. I specialize in helping Medicare-eligible individuals understand their coverage options, selecting plans to fit their unique needs while offering compassionate, personalized guidance. My approach is rooted in listening first, providing honest advice, and ensuring every client feels supported and confident in their decisions.Today, I’m proud to serve clients across Colorado, California, Florida, Michigan, and Texas—combining a designer’s eye for detail with a caring heart for people navigating important life choices.
Heart of Medicare is a private, non-governmental organization and is not affiliated with any government agency
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Get expert help choosing between Medicare Advantage, Supplements, and Drug Plans.
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We walk you through the paperwork and make sure you’re set up right.
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Call us anytime. We help with billing, changes, renewals, and more.
Real Stories from Happy Clients
"Sara always goes above and beyond to help with your insurance questions and needs. She helped us through every step of the medicare process. She always returns phone calls and is proactive with her follow up. She has made herself available to help us at anytime that has been convenient for us. I would highly recommend her to anyone with insurance needs . She is a true professional and credit to her industry. She is a medicare ninja and we would recommend her to help anyone navigate the intricacies of medicare."
"I have been working with Sara for over 10 years. She has always been able to answer my questions, and help me solve any problems. Sara helped me decide on the best plan for me, and checks with me every year with new information on different plans. Before I began working with Sara, I was on my own and didn't know what to do about Medicare. She is a delightful person with very positive energy, and I always enjoy our conversations. I highly recommend Sara Richter. I work as a paralegal, on personal injury claims. I know how difficult insurance companies can be."
"My husband and I are so grateful to have found Sara to help us with our Medicare choices. She has gone above and beyond to find the best and most affordable option for us and has been there 100% with any questions or concerns we might have. Sara is genuinely concerned about her clients and we feel we are in the best hands possible to guide us through the maze of Medicare options and their yearly changes. Thank you Sara!"
"I was introduced to Sara just AFTER I made my Medicare election online almost 3 years ago. I still knew I needed someone to look over my shoulder because the process is so complex and difficult to navigate. Sara has always been so responsive, kind, professional and has an incredible ability to take complex content and make it easy to understand and digest. I can't imagine working with anyone else. I can wholeheartedly give her my highest recommendation. Thanks Sara, for always being there me and my wife. You are a Community Treasure!"
"Approachable, resourceful, knowledgable, determined, dedicated, resilient, kind, compassionate and an all around go-getter is how I describe my Medicare agent, Sara Richter. I sincerely would not have been able to maneuver through the Medicare system without Sara's support and understanding. Sara is a thoughtful listener. Sara is generous with her time. Sara knows what she's doing and if there is a question she can't answer Sara will keep digging until she finds the appropriate answer. What a gift to have found Sara Richter. A lovely human being!"
"Sara shows persistence beyond any previous agent. I have learned how to never give up due to Sara's method of operation. She is like the Nancy Drew of Medicare."
Have questions? Want a second opinion? Schedule a free, no-obligation consultation.
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