About Nicholas Tkaczuk
Your Independent Health Insurance Advocate
A Career Built on Helping People — Not Insurance Companies
I entered the insurance industry in 1997 and have spent every year since then doing one thing: helping individuals, families, and Medicare beneficiaries find coverage that actually works for them.
As an independent broker/agent, I am not tied to any single insurance company. I represent dozens of top-rated carriers — including Aetna, Humana, UnitedHealthcare, Blue Cross Blue Shield, Mutual of Omaha, and more — which means I can shop the entire market on your behalf and recommend the plan that fits your situation, not the one that pays me the most.
I am licensed and appointed across Illinois, Alabama, Arizona, Michigan, Montana, North Carolina, New York, Ohio, South Carolina, Tennessee, Texas, and Wisconsin — and I bring the same personalized approach to every client, regardless of where they live.
Why This Work Is Personal to Me
In February 2021, and only 45 my wife was shockingly diagnosed with Stage IV Colorectal Cancer — a diagnosis that should never have happened (she was the epitome of “health conscious) and one that ultimately stole her life far too young in March 2024 at 48. It has changed my life forever.
Helping her navigate her care gave me something no amount of professional training ever could: a firsthand understanding of what it truly means to need your health insurance to work. To need the right doctors to be in network. To need prescriptions covered. To need someone who understands the system standing beside you when everything feels overwhelming.
I know what it feels like to be on the other side of this — not as a broker, but as a husband, a caregiver, and someone who desperately needed answers.
That experience deepened my commitment to every client I serve. When I help you find the right plan, I am not just filling out paperwork. I am making sure that if the moment ever comes when you truly need your coverage, it is there for you.
What You Can Expect When You Work With Me
30+ years of experience in health and Medicare insurance
Independent broker — I work for you, not for any insurance company
No cost to you — my services are always free; I am compensated by the carriers
Licensed in 12 states across the country
Appointed with leading national carriers including Aetna, Humana, UnitedHealthcare, Blue Cross Blue Shield, Mutual of Omaha, Manhattan Life, GTL, Allstate, and more
Specialties: Medicare Advantage, Medicare Supplement (Medigap), Prescription Drug Plans, ACA/Marketplace Plans, Individual & Family Health Insurance, Life Insurance, and Supplemental Coverage
Most people don't think about their health insurance until something goes wrong. Then suddenly, the plan they chose — maybe because it was the cheapest, or the first one they found — doesn't cover what they need. Doctors are out of network. Prescriptions cost more than expected. Bills arrive that nobody warned them about.
That's exactly what I've spent 30 years helping people avoid by protecting their WEALTH & HEALTH.