About Mary Montijo | Licensed Arizona Medicare Agent

Mary's Story

She got into Medicare because her mother almost picked the wrong plan.

Her mother was 66, recently widowed, and overwhelmed by a mailbox full of insurance company flyers. The TV commercials made Medicare sound simple. It isn't. She was about to enroll in a Medicare Advantage plan that didn't include her rheumatologist — the doctor she'd trusted for twelve years.

Mary stepped in. She spent two weeks running every plan available in her mother's ZIP code, verifying each network, checking the formulary drug by drug. She found a plan that kept the rheumatologist, cost $230 less per month, and had better coverage. That two-week detour became a calling.

In 2016, she got licensed, went all-in on Medicare, and never looked back. Not life insurance. Not auto. Just Medicare — because it's the one decision that most people get exactly one realistic chance to get right, and the stakes are too high to leave to a stranger on a 1-800 number.

She's been doing this in Phoenix for nearly a decade. She doesn't have a call quota. She doesn't push you toward the plan that pays her the most. When you call her, you reach her. And when something goes wrong with your coverage at 10am on a Tuesday, she's the one who picks up.

Schedule a Consultation ☎ (602) 574-0686

Mary Montijo – Arizona Medicare Specialist

✓ Active AZ Insurance Producer License #18015946

📍 Phoenix, AZ · Serving All of Arizona

⏰ Mon–Fri, 9am–5pm MST

📅 Licensed and active since 2016

The Question Everyone Asks

"If it's free, what's the catch?"

There isn't one. Here's the honest explanation of how this works — because you deserve to know exactly who is getting paid and why.

How Mary gets paid

When you enroll in a plan through Mary, the insurance carrier pays her a commission. That commission comes out of what the carrier would have spent on marketing anyway — not your pocket.

Your monthly premium is exactly the same whether you enroll through Mary, through a 1-800 number, or directly on Medicare.gov. The only difference is whether anyone actually helped you pick the right one.

Why she's unbiased

Because she's independent, Mary is contracted with multiple carriers. She has no financial incentive to push one plan over another — commissions across competing carriers are roughly equivalent by law.

Her only incentive is your satisfaction. Because the only way this business works long-term is if you call her back next October — and tell your friends.

Bottom line: You get a licensed expert who has reviewed your doctors, your medications, and your budget — at zero cost to you. The insurance company pays for it. You keep the savings.

What Sets Her Apart

Eight things the 1-800 number will never do for you

Call center agents cycle through hundreds of callers a day. They work for one carrier. They cannot compare plans across companies, verify your specific doctors, or advocate for you when a claim goes wrong. Mary does all of that — and more.

Network verification: She confirms your exact doctors and specialists are in-network before you sign anything
Formulary deep-dive: Every medication checked at the lowest possible tier for your chosen plan
Cross-carrier comparison: She looks at every top-rated option in your ZIP code, not just one company's offerings
Penalty protection: She tracks your enrollment windows so you never accidentally trigger a lifelong surcharge
Annual October review: Rates, networks, and formularies change every year. She benchmarks your plan against the field every fall
Claim advocacy: Direct cell access when billing goes wrong — not a hold queue
AHCCCS guidance: For dual-eligible clients, she navigates the Medicare + Medicaid intersection
House calls: In-person in Phoenix or virtual anywhere in Arizona, on your schedule

Get Mary in Your Corner

Professional Certifications

✓ Arizona Department of Insurance & Financial Institutions — Producer License #18015946
✓ Annual AHIP Medicare Training Certification — completed every plan year
✓ Carrier-specific product certifications — multiple top-rated Arizona carriers
✓ CMS Medicare marketing and compliance training — annually renewed

Ready to talk?

Most clients leave the first call with a clear recommendation. No second appointment needed. No pressure to decide on the spot.

Request a Free Consultation

Straight Answers

Questions people ask before they call

"Will I lose my doctor if I change plans?"

Not if Mary has anything to say about it. She confirms your doctor is in-network before recommending a single plan. If they're not in the network, that plan doesn't make the list.

"Why wouldn't I just call the insurance company directly?"

Because they'll only show you their plans. Mary shows you all of them. And she has no reason to steer you toward one over another — they pay roughly the same commission regardless.

"How often should I review my plan?"

Every single year. Carriers change their networks, raise their premiums, and shuffle drug formularies annually. Mary proactively reaches out to every client each October before they even think to call her.

"What if I already enrolled in a plan — can Mary still help?"

Yes. She reviews your current plan, identifies whether it's still competitive, and tells you plainly if you should switch at the next enrollment window. No judgment about how you got here.

Read All FAQs

She's not a call center. She's your neighbor — and she picks up the phone.