Retirement Insurance Specialists Agency, LLC

"My wife and I have used Mark Molina of RIS for 9 years of Medicare Insurance. He had been very helpful. Mark called me 2 years ago and said that I should switch from UHC to BCBS supplemental because they offered a better price. It seemed like a good deal and he made the switch without any problems or actions on my part. About a year later, he suggested the same thing for my wife. Again, it sounded like a good idea and he said he would take care of it. He did switch her to BCBS, however he never told UHC to end the policy and never told us to stop the automated payments to UHC. As a result, both BCBS and UHC were both billing us for supplemental insurance for 7 months. We might have noticed it sooner, but my wife(who pays the bills) had to have brain surgery which left her unable to handle the billing any more. I only noticed this error when doing my 2022 taxes. I have gotten in touch with UHC and Mark Molina several times, but nothing has been resolved. UHC has billed us a total of $1857 while BCBS provided all my wife's supplemental billing. This seems like a huge error on the part of Mark Molina. When I asked him about it, he said agents weren't allowed to cancel policies. If that were the case, he should have at least told us to cancel the automatic payments to UHC. We had no reason to think the UHC wasn't cancelled, because when he switched me over to BCBS, I didn't have to call UHC or cancel automatic payments to UHC. This is a warning to anyone using RIS, that you better keep an eye on your checkbook, before something like this happens to you."

"Mark has been such a great help to me. I would have never been able to get through all the myriad of Medicare issues myself with the ease and convenience offered by RIS. Everything is explained in detail. Mark is easy to get ahold of when needed. Always kind and caring. Great service!"

"Been with them since I retired, first found them 3 years prior. I knew insurance coverage would be my biggest retirement decision. Justin Bro helped in that decision immensely. I now have great coverage with traditional Medicare and a supplement. Also a low cost prescription drug plan. I would recommend talking with R.I.S. to develop a plan that best suits you. Not a cookie cutter approach."

"Mark Molina was extremely patient with my many questions concerning my choices for the best way to cover my Medicare benefits. He continued to rephrase the answer in whatever way he could until I totally understood, even to drawing me pictures with arrows! He has been available to answer any other questions as they have come up, and has always treated me with the utmost respect and kindness."

"I have all the confidence in Justin when I call and discuss what prescriptions I shall be purchasing for the next year and the best Part of Medicare I should be purchasing as well as the supplemental insurance. I have been a loyal customer for nearly 10 years and have never been disappointed. I would highly recommend RIS for your retirement needs. Marti Nazzaro"