Meet Deborah Wells

Deborah Wells is a licensed independent insurance broker based in Chesterfield, Virginia, with over two decades of experience helping individuals and families navigate the often-confusing world of Medicare, retirement income planning, and Social Security optimization.

After years of watching people make costly Medicare enrollment mistakes — missing deadlines, choosing the wrong plan type, or leaving thousands of dollars of Social Security benefits on the table — Deborah founded Medicare Sage with a single mission: to be the trusted advisor she wished more people had access to.

As an independent broker, Deborah is not tied to any single insurance company. She works with dozens of carriers to objectively compare your options and recommend the plan that genuinely fits your health needs, budget, and lifestyle — not the one with the highest commission.

Deborah has particular expertise serving government employees, teachers, and state workers navigating the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) — two Social Security rules that can significantly reduce benefits for public servants if not properly planned for.

Her consultations are always free, and she remains available to her clients long after enrollment — reviewing coverage annually, answering questions, and helping navigate any changes in Medicare or personal circumstances.