About Lakes Health Insurance
I'm Fred Lang, a licensed Medicare insurance agent based in Minnetrista, serving the Minneapolis-St. Paul metro area.
I don't work for a call center. I work for you.
When you call an 800 number, you get whoever picks up. When you work with me, you get one person who knows your situation, remembers your doctors, and picks up the phone when something goes sideways with a claim or a coverage question.
Why that matters right now: The 2026 Minnesota Medicare market is one of the most disrupted in years. UCare has exited the Medicare Advantage market entirely, leaving tens of thousands of Minnesotans looking for new coverage. UnitedHealthcare has pulled out of dozens of counties in southern Minnesota. If you're affected, you need someone who actually understands the MN-specific options, not a national script reader.
What I do:
I help people navigate Medicare. That includes Medicare Advantage plans (Part C), Medicare Supplement (Medigap) plans, Part D prescription drug plans, dental coverage, and the enrollment situations that come with all of them: turning 65, retiring, losing employer coverage, losing Medicaid, Special Enrollment Periods, and the Annual Enrollment Period each fall.
Minnesota has its own Medigap structure (different from 47 other states), its own guaranteed-issue rules, and starting August 2026, a new law that gives people age 65 to 70 a second chance to enroll in a supplement plan without medical underwriting. I stay current on all of it.
What I don't do:
I don't cold-call. I don't pressure. I don't sell you a plan to earn a commission and disappear. I get paid by the insurance carriers, not by you, and the amount is the same regardless of which plan you choose. My job is to help you pick the right one.
I explain complicated things in plain language, usually over a cup of coffee. Come visit me, or I'll come to you.
Lakes Health Insurance
920 Evans Way, Minnetrista, Minnesota 55364
763.292.9837 flang@lakeshealthinsurance.com
