Welcome! My name is Matthew Tokos, I help people across Nevada, Idaho, Utah, and Arizona understand Medicare so they can feel confident in their choices, and focus on what matters most: living life fully.

Your trusted partner in health, navigating the journey together.

The Tokos Cares whole-person approach

A Medicare plan is important, but it is only one part of a complete retirement picture. 

How Matthew helps

Listen

• Understand the person's goals, concerns, health needs, family situation, budget, and priorities.

Verify

• Review providers, prescriptions, eligibility coverage, benefits, and important details.

Compare

• Evaluate available approaches without assuming one option is automatically best.

Explain

• Present benefits, limitations, costs, and tradeoffs in plain language

Support

• Remain available after enrollment or purchase and schedule future reviews. 

Coverage gap checkup

Common questions I ask for routine evaluations:

• Are doctors and prescriptions properly covered?

• Are dental, vision, and hearing needs being addressed?

• Could hospitalization create a financial strain?

• Is there a concern about cancer, heart attack, or stroke expenses?

• Is there a plan for recovery care or long-term care?

• Is life insurance still appropriate?

• Are final expenses prepared for?

• Could part of the retirement portfolio benefit from principal protection or predictable income?

• Are beneficiaries and important documents current?

• Is the client using available wellness and preventive benefits?

This is not a recommendation to buy every product. It is a structured method of identifying what is already protected and what may need further attention.

Button: Take the Health & Retirement Checkup

Featured article answers

• Do I need Medicare if I am still working?

• Medicare Advantage vs. Medicare Supplement

• Can I keep my doctors with Medicare?

• What does Medicare not cover?

• What is hospital indemnity insurance?

• How much life insurance might I need?

• What is a fixed indexed annuity?

• How can I prepare for healthcare expenses in retirement?

Empowering your health

Insurance can help protect against risk, but long-term well-being also depends on how people understand and use their healthcare. TokosCares helps clients learn about preventive care, fitness benefits, medication organization, healthy routines, and available community resources.

Button: Explore Healthy Aging

Meet Matthew

A little about me.

I’m Matthew Tokos, a licensed Medicare broker serving Nevada, Idaho, and Utah. My academic foundation, Gerontology, Addiction Studies, and Health Data Management from Boise State University, gives me a unique understanding of the health, emotional, and financial challenges that come with aging.

But more than degrees or licenses, what drives me is simple: I listen, I care, and I want you to feel confident in your healthcare choices.

It started at my grandparent's kitchen table.

When my grandparents turned 65, they were overwhelmed by Medicare, stacks of confusing letters, phone calls from companies, and too many options to make sense of. I remember seeing the stress on their faces, and I knew they deserved better.

I sat down with them, listened, and explained the choices in plain language until they felt at peace. That experience showed me how powerful it can be when someone takes the time to really care. It wasn’t about selling a plan, it was about protecting family.

That’s the same care and patience I bring to every person I meet today.

You deserve to understand your options before making a decision. 

Let's make Medicare simple, together! You deserve clarity, not confusion. 

Whether you’re enrolling for the first time, reviewing your plan, or helping a loved one, I’ll be your advocate every step of the way.

There’s no cost for my help, and I offer friendly, pressure-free consultations.