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Medicare & Life Insurance Simplified
We work to match your insurance coverage needs to your unique situation.
Medicare
Which plan is the best fit for you.
Life Insurance
Multiple carriers, which policy is right for you?
Contact Us
I’m always happy to help.
Helping You Navigate the Medicare Maze
With so many various plans, costs, and levels of coverage, insurance & Medicare can frequently be daunting. I’m here to help you out with that. We are able to meet the needs of every single client thanks to our extensive assortment of plan options. I’m a multi-carrier independent agent.
Hi, I’m Norm, I joined Cornerstone in 2017 after working with another brokerage insurance company for two years. I appreciate the integrity, the constant training, the education, and the support that I receive from Cornerstone. I also appreciate the opportunity that Cornerstone has provided for me to help people.
Norman Morris
I work with over 30 companies to get the most benefit for you!
Why most people choose Cornerstone
We are a brokerage, so we do not represent just one company, we represent multiple companies so we can find the best fit for YOU!
Since our founding in 1995, Cornerstone has provided superior products and services and sound insurance and financial advice to our customers. We’re a subsidiary of Guarantee Trust Life (GTL), a company founded in 1936. We have access to GTL’s long history and depth of experience.
Cornerstone is committed to serving our clients by working with the top insurance companies in the industry and giving each individual, couple, and family more viable options for securing their futures.
I am Pleased to Welcome New Agent Graham Ray
We’re excited to welcome Graham to our growing team of dedicated Medicare insurance professionals. With a passion for helping others and a commitment to excellence, he brings fresh energy and valuable insight, guiding clients through their Medicare options with care and clarity.
Graham has served hundreds of clients over the past five years as a licensed health and life insurance agent. He also served as a senior writer and life insurance expert for MarketWatch Guides, a Dow Jones company.
Graham is based in Asheville, N.C. and enjoys hiking and live music in his free time.
NPN 19617301
Don’t hesitate, contact us for help thru the medicare maze.
We are Committed to Protecting Your Dreams
What is Part A or B?
This is a question often asked me by people getting ready to receive or who already have Medicare.
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Am I Qualified?
Generally speaking, there are three different ways someone can get Medicare…
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When Do I apply?
If your approaching 65, there are a few things you should know, download the checklist here.
Work with an Agent?
When you begin your process to sign up for Medicare, you will be bombarded…
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Are you turning 65?
Download a free checklist with fax and important dates to help guide you through the Medicare maze.
What to do six months before you turn 65
Important dates for in three months before your 65th birthday
Money saving advice
Step-by-step what needs to be done
Save time and hassle
FAQs
What is Medicare?
Medicare is a federal health program for people who are 65 years older, people who’ve been’s on disability for two years, or for people who are on dialysis.
What is Medicaid?
Medicaid is a state program for health insurance for people who fall below the poverty level according to state guidelines.
How do you apply for Medicare?
Latest Insights from the Blog
What is the Medicare Prescription Payment Plan?
I keep hearing about this Medicare Prescription Payment Plan, but what exactly is it?
Launched in 2025, the Medicare Prescription Payment Plan (MPPP) allows beneficiaries in stand-alone Medicare prescription drug plans and Medicare Advantage plans with drug coverage to pay their high Part D costs in monthly installments to their plans, not all at once to the pharmacy.
What if I need help paying for my prescriptions while on Medicare?
If you are like millions of people, money is a tight issue these days. If you do not qualify for Medicaid, your prescriptions can at times be costly.
What are some options for you? Here are some of the options you may want to look at to help offset the costs of the prescriptions for you:
What is the maximum out of pocket for prescriptions for 2027?
The last couple of years, Medicare has had a cap on prescriptions, with last year being at $2100. Will that increase for 2027?
Yes! As with everything else, there will be an increase with the costs of prescriptions. The maximum out of pocket costs will increase from $2100 to $2400. What does that mean for you?
Contact
828-400-1829
n.morris@whycornerstone.com
110 Heywood Rd #5B Arden, NC 28704
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South Carolina
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