Licensed Insurance Agent
Senior Benefits Center for Life, Health and Medicare
Meet Barbara
I've lived in the Lake Norman area for the past 37 years, and I truly believe there's no better place to live, work, and serve. At LKN Insurance, my focus is helping individuals and families navigate Medicare and Life Insurance with clarity, compassion, and confidence.
With a mission of compassionately empowering my clients with the best options for their health, finances and well-being, I aim to be your concierge for all of your insurance needs. Whether you're new to Medicare, exploring life insurance options, or just have questions about coverage, I’m here to help.
While my primary focus is Medicare and Life Insurance, I’m also licensed and experienced in home, auto, and property and casualty insurance. My goal is always the same: building lasting relationships and solving problems with care and expertise.
For me, it’s about doing everything I can to make a difference in people’s lives. If you're in the neighborhood, feel free to stop by LKN Insurance in Denver, NC. I’m always happy to chat and help you explore the best insurance options for your life.
~ Barbara
Barbara Norman,
Medicare &
Life Insurance Specialist
Extensive Coverage Options:
We offer a wide range of health insurance and Medicare Advantage plans tailored to meet your unique needs.
Expert Guidance
We are your local insurance professionals and will guide you through the entire process, from understanding policy details to choosing the best plan for your specific needs and budget.
Personalized Service
At LKN Insurance, we prioritize customer satisfaction - and Barbara makes it her mission to ensure your needs come first. She’s dedicated to being responsive, approachable, and ready to help you navigate your insurance decisions with confidence.
New to Medicare?
Confused? Not sure where to start? You’re not alone, and you don’t have to figure it out by yourself.
How Barbara Can Help:
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Learn when and how to enroll
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Learn the difference between Original Medicare, Medicare Advantage, and Medigap
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Learn what Parts A, B, C, and D really mean
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Learn how to avoid late enrollment penalties
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Get help comparing Medicare Advantage Plans (Part C)
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Understand Part D drug coverage
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Explore Supplement (Medigap) plans to fill the gaps
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Find the coverage that fits your doctors, prescriptions, and budget
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Reviewing your options
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Answering your questions clearly and patiently
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Completing your enrollment — without the pressure
💥 Medicare Open Enrollment
Starts October 7!
This is your chance to review, change, or
enroll in a new plan — don’t miss it!
Barbara can help you compare plans, check your current coverage, and make sure you're getting the benefits you deserve.
✅ No-cost help
✅ No sales pressure
✅ Just clear answers and personal guidance
There’s no fee for my help. I’m here to make Medicare make sense.
FAQs
Q: What is the difference between Medicare Advantage and Medicare Supplement plans? Medicare Advantage plans replace Original Medicare and come with extra benefits, while Medicare Supplement plans work alongside Original Medicare and offer more freedom to choose doctors and hospitals.
Q: Can I keep my current doctor with a Medicare Advantage plan? Medicare Advantage plans often have a network of healthcare providers. It’s essential to review the provider network details of your chosen plan to ensure your preferred doctor is included.
Q: What is a Medicare Supplement? While Original Medicare provides benefits for healthcare it doesn’t cover 100% for procedures or exposures, leaving costly gaps especially as we get older and need increased medical attention. These gaps can be significant for individuals without additional coverage. That’s where Medicare Supplement Insurance, also called Medigap policies, comes in. They enhance your coverage as they are designed to help cover costs not covered under Medicare Parts A and B. Whether it is gaps created by Medicare co-payments, coinsurance, or deductibles they can add up to a substantial amount in cases where there’s a need for frequent doctor visits due to chronic illness or health emergency.
Q: What is Medicare Part D? Medicare Part D prescription drug coverage is available from private insurance companies to those also eligible for Original Medicare and who permanently reside in the service area of a Medicare Prescription Drug Plan. There are different types of plans available from the various insurers with monthly costs and out-of-pocket expenses varying accordingly. Medicare Part D is designed to make prescription drugs (that can be vital for health care) affordable. There is one of two approaches to take: you can either join Medicare Part D or instead join a Medicare Advantage Plan with drug coverage. Regardless of the plan you choose, it can help cover costs of brand-name and/or generic drugs at pharmacies convenient for you, thus making affordable prescription drugs a reality.
Q: When should I apply for Medicare? You have a 7-month window to apply for Original Medicare: during the 3 months prior to your 65th birthday month, the month of your birthday, and the 3 months after your 65th birthday.
Q: I’m not sure what kind of insurance I need — should I still schedule a call? Yes! You don’t need to have it all figured out before reaching out. Barbara is here to help you explore your options, explain what’s available, and guide you through the process step by step. Whether you’re new to Medicare, comparing plans, or just have questions, a quick conversation can make everything clearer. There’s no cost and no pressure — just honest, helpful guidance.
Let's Talk
Confidence Starts With a Simple Conversation
Have questions about Medicare or other insurance options? Barbara is here to listen, explain, and help you find the coverage that fits your needs. Schedule a call and take the first step with confidence.
Here to Help.
Reach Out Anytime
Barbara B. Norman
CLU, ChFC, RHU, RBC, LUTCF
LKN Insurance Service, LLC
4688 Mountain Creek Ave, Suite 102
Denver, NC 28037
Email: BN@LKNinsuranceService.com
Phone: 980-222-7123
Complete the form below and Barbara will be in touch shortly.