Medicare & Retirement Planning.
It's What We Do.
LIFETIME SUPPORT
Comprehensive support for every chapter of your journey.
Our commitment to your peace of mind
Our Three Truths: Total Transparency for You
No Fees
We never charge you a fee of any kind for our education or enrollment services.
Same Price
You pay the exact same price for your insurance whether you use our expert help or go it alone.
No Bias
We work with over 25 top-rated companies. We don't work for them—we work for you.
No Fees
We never charge you a fee of any kind for our education or enrollment services.
Same Price
You pay the exact same price for your insurance whether you use our expert help or go it alone.
No Bias
We work with over 25 top-rated companies. We don't work for them—we work for you.
Finding the right fit for your healthcare needs
Medicare Supplement vs Medicare Advantage
Medicare Supplement
Freedom: See any doctor in the USA that accepts Medicare.
Predictability: The lowest out-of-pocket costs when seeing doctors.
Simplicity: No referrals needed to see a specialist.
Medicare Advantage
Value: Plans as low as $0 monthly premium.
Extras: May include dental, vision, gym, and OTC benefits.
All-in-One: Typically includes Part D prescription coverage.
Medicare Supplement
Freedom
Use any doctor or hospital in the USA that accepts Medicare. No referrals needed.
Predictability
The lowest out-of-pocket costs when you receive care. No surprises.
No Referrals
See a specialist without needing a "gatekeeper".
Medicare Advantage
All-in-One
Combines your medical and drug coverage into one card.
Extra Benefits
Often includes "extras" like dental, vision, and gym.
Budget-Friendly
Many plans feature a $0 monthly premium.
The essentials of Part A and Part B explained
Understanding Your Base Coverage
Part A (Hospital)
Covers inpatient stays. For most, the premium is $0.
Part B (Medical)
Covers doctor visits and outpatient care. The standard monthly premium is $202.90.
Medicare Solutions
From Medigap to Medicare Advantage, we compare the top-rated carriers to find the plan that fits your doctors, your prescriptions, and your budget.
Retirement Income
You’ve worked hard for your nest egg. We help you create a "paycheck" for life, focusing on Social Security timing and asset protection.
Protection Gaps
Don't let a health crisis derail your retirement. We identify the "hidden" gaps in standard coverage, including Long-Term Care and Critical Illness.
Closing the Gaps in Your Coverage
Medicare is designed to pay your doctors and hospitals, but it wasn't built to cover the personal financial toll of a major illness.
The Risk
A diagnosis of Cancer, Heart Attack, or Stroke often comes with "hidden costs"—travel for specialists, home modifications, and non-medical bills that continue even when you can't work.
The Exposure
These expenses can quickly drain a retirement nest egg because they fall outside of traditional medical coverage.
The Solution
We recommend Umbrella Coverage for every client. These plans pay a tax-free cash benefit directly to you, giving you the freedom to focus on healing instead of finances.
10th
Experience
A Steady Approach to Your Future
Retirement Planning Built on Clarity
Retirement isn’t just a financial milestone—it’s a major life transition. Between Social Security timing, tax efficiency, and healthcare costs, the "how" of retirement can quickly become overwhelming.
At Gruening Health & Wealth, we believe in education-first planning. Our goal is to help you organize the moving parts of your financial life so you can move forward with a clear, sustainable strategy.
We help you navigate the three pillars of a secure retirement:
Income Stability: Creating a reliable paycheck that lasts as long as you do.
Tax Strategy: Minimizing the impact of taxes on your hard-earned savings.
Healthcare Integration: Ensuring your Medicare and retirement plans work in harmony.
The GHW Difference
You deserve a guide, not a transaction. We take the time to explain the why behind every move, empowering you to make informed decisions at your own pace.
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CLIENT SUPPORT
LEGAL
Business Hours
Mon: 8:30 AM – 4:30 PM
Tue: 8:30 AM – 4:30 PM
Wed: 8:30 AM – 4:30 PM
Thu: 8:30 AM – 4:30 PM
Fri: 8:30 AM – 4:30 PM
Sat: Closed
Sun: Closed
LOCATIONS
Gruening Health & Wealth
1124 Centre W Dr,
Springfield, IL 62704
Gruening Health & Wealth - Dickson, TN
125 N Main St,
Dickson, TN 37055
Questions? Call us now:
(888) 356-8034
This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.
Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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