Senior Health and Retirement Professionals – Your Local AZ Medicare Specialists

Arizona Residents


The SHARP team are all independent agents. We can provide you advice on the best plan for your needs from all plan providers in Arizona. There is no charge to you for our services.

Call us at 928-756-6565 to discuss ALL of your Medicare options in Arizona (711 for tty).
If you are in the Prescott Valley or Cottonwood area, you can reserve an appointment for an in-person meeting.
You may also Request a Call
Natalie, Brian, Carlos, or Michelle will call you directly.

How to Meet in 2020


In Yavapai County, there are many options available for 2021, which is why we encourage you to meet with us virtually or in person! Although seminar meetings are prohibited this year, we can text you a link to cover a full overview of the Medicare program highlighting the differences between Medicare Supplements and Medicare Advantage plans. Following that, you can request a certain plan and we can meet by phone to explain the structure of one specific program, or you may schedule time to come in to Prescott Valley (Thursdays) or Cottonwood (Fridays).

It's very helpful for you to watch our Intro and Medicare 101 videos first so that we can get right into the plan details! Then when we meet (by phone or in person) we can select one specific Medicare Advantage or Supplement plan and cover it line by line and benefit by benefit so you can fully understand it. Although many of our clients are happy on their current program and choosing to stay where they are, it’s important to remember we also have another opportunity beside the annual election period of October 7-December 15th.

Open enrollment is a period from Jan 1-March 31, 2021 in which we can also change your Medicare Advantage plan next year. As always, there is never any pressure. We look forward to resuming our seminar schedule next year when it is safe to do so. For now, please watch our videos and call to request any information you need. Remember, we can text it directly to your phone and then assist you 1-on-1 by phone or in person.

When it comes to selecting a health plan with Medicare, making a decision can be confusing. That’s why we have a team of professionals available to answer your questions and give you the time you need! Schedule a meeting and let us present your Medicare options. Remember, ALL WE DO is Medicare.

SHARP looks forward to continue being your resource for ALL things Medicare!

Get in Touch with Someone on Your Side

Schedule a call or visit us in our Prescott Valley or Cottonwood venues.

Medicare 101: Important Information for the Upcoming Year


Available October 22nd to December 4th

* No meetings are available during Thanksgiving week *

We will meet with you one-on-one at the venue at a time available that you schedule. Spouses, loved ones, and friends are welcome but please notify us if you will be bringing company.

Please be aware of the following requirements:

  1. A reservation is necessary – these are personal appointments ONLY, not seminars
  2. Masks/facial coverings are mandatory for your safety and ours

Reserve your spot below and meet with an experienced agent to discuss all your Medicare options this year!

Prescott Valley

9AM to 4PM
EVERY Thursday

Hampton Inn
2901 N Glassford Hill Road
Prescott Valley, AZ 86314
View on Google Maps

Schedule Your Reservation


9AM to 4PM
EVERY Friday

Cottonwood Recreation Center
150 S 6th Street
Cottonwood, AZ 86326
View on Google Maps

Schedule Your Reservation

Meet the SHARP Team

Natalie Toalson

Managing Partner & Licensed Agent

Natalie Toalson began her career in the Medicare world in 2002, while completing her business education at ASU. As a college intern, she began at Humana and often thought she would search for her “dream job” after graduating college. She never had to search though, as she joined the Medicare Sales world and has never left!

After 6 years as an employee with Humana, Natalie became an independent broker, able to offer more than just one insurance company to her clients. In 2007 as an independent agent, she began her journey to Yavapai county where she currently works year-around. With 14 years in the Medicare insurance world, Natalie enjoys hosting the seminars to inform existing and new clients of the changes to the Medicare landscape. Natalie’s intention is to remain in this business until her day comes to join a Medicare plan herself.

Brian Kasper

Managing Partner & Licensed Agent

Brian Kasper began his career in health insurance in 1984 with FHP. FHP was one of the oldest and largest Medicare insurance companies. In 1992, Brian moved to Reno, NV to become the Director of Marketing and Sales for HHP. With his assistance he grew the health plan by over 500% during his years with HHP. He personally oversaw the creation of HHP’s Medicare plans and was an integral player in negotiating and obtaining CMS approval for HHP’s Medicare plans.

Brian moved back to Arizona in 2000 and worked for Humana in its Medicare division helping to open marketing opportunities in Yavapai and Mohave Counties. In 2008, he joined with Natalie Toalson as independent agents and from this partnership, their agency SHARP was born. Brian has always maintained the highest level of integrity and honesty in presenting Medicare plans. His #1 commitment is to SHARP’s clients.

Carlos Redondo

Licensed Agent

Carlos Redondo began his experience with Medicare in 1975 with Aetna, the original Part B Carrier for Arizona. He was with the company for 22 years and has seen many changes since then. A true native of Arizona, born and raised, Carlos continued his work experience in medical insurance and achieved a successful career with Arizona’s Medicaid (known as AHCCCS). From there he transitioned to United Health Care before accepting an offer to become a career agent with Humana in 2006.

Carlos started his career as an independent agent and joined the SHARP team in 2013, so that he could offer his clients the plan that best meets their needs rather than being only able to offer the company’s plan that he worked for. His extensive knowledge of Medicare allows him to provide answers to almost any question regarding the system and he is bilingual, which affords SHARP the opportunity to reach out to Spanish-speaking communities. His integrity and honesty makes for a perfect fit with SHARP.

Michelle Barnett

Licensed Agent

Michelle Barnett is the most recent addition to the LMS team. She left a successful career in leadership, customer service, and project management looking for opportunity to make a difference with the unique skillset she’d acquired and boy did she find it!

As the newest independent Medicare insurance agent Michelle brings over 20 years experience leading teams through complex topics both in seminars and in one-to-one settings. 2019 marked her first full year in the Medicare business and she hit the ground running. She looks forward to supporting the clients in Maricopa, Yavapai, and Pinal counties.

Frequently Asked Questions

  • SHARP (Senior Healthcare and Retirement Specialists, LLC) is an Arizona based insurance brokerage specializing exclusively in Medicare options. Our agents are independent, career Medicare specialists which means we are not employed by an insurance company but rather work with you to find the right Medicare plan. Our goal is to first understand your healthcare needs, then help you choose from the best options available.

  • Zero. Seriously, it costs you nothing to work with us! The reason is that Medicare has set strict guidelines on the compensation independent agents can receive. By law, we are not permitted to charge our clients and all insurance companies must pay all independent agents exactly the same amount. This way we don’t have any incentive to recommend one company over another. It’s a win-win for you!

  • Absolutely. A local agent will know your doctors, and how each plan works in your area. The Medicare laws are set up to treat each county in every state slightly different. When it comes to understanding your options, having a local agent can make a huge difference.

  • On average, our agents have over 15 years experience in the Medicare industry. In that time, we have helped thousands of clients choose the right Medicare plan for their specific needs. Additionally, our clients consistently return to us each year for updates and to review the available plans for the coming year. Don’t just take our word for it though, look what some of our current clients have to say.

  • Call us at 928-756-6565


    Request a Call from one of our highly experienced Medicare-specialist agents.


    Schedule an Appointment to meet one-on-one at either our Prescott Valley or Cottonwood venues from October 15th to December 7th.