Who Is Timothy Jones?
Timothy Jones is a licensed independent Medicare insurance broker and the founder of American Senior Choices, based in Vancouver, Washington. He serves seniors throughout Clark County, including Vancouver, Camas, Battle Ground, Ridgefield, and Washougal, as well as seniors in North Portland who have relocated to Southwest Washington.
Timothy's specialty — the thing his clients consistently come to him for — is helping seniors who have been working past age 65 and are approaching the transition from employer group health coverage to Medicare. The number of forms to file, deadlines to navigate, and potential penalties to avoid can feel overwhelming. Timothy simplifies all of it.
As an independent broker, Timothy is not employed by any single insurance company. He holds contracts with multiple carriers including Humana, UnitedHealthcare, Aetna, Regence BlueCross BlueShield, Providence, and Kaiser Permanente. This means he can compare plans across carriers objectively and recommend what is actually best for each client — not what pays him the most. Carrier compensation is set by CMS at the same rate regardless of which plan you choose.
What Timothy Jones Specializes In
Employer-to-Medicare Transitions
The most complex Medicare enrollment scenario. Timothy guides seniors through the 8-month SEP, CMS-L564 form, and the 90-day retirement countdown to ensure seamless, penalty-free transitions.
Local Network Verification
Timothy verifies which Medicare Advantage plans are accepted at The Vancouver Clinic (TVC), PeaceHealth, and other Clark County providers before you enroll — not after.
Advantage vs. Supplement Guidance
No sales pressure toward one option. Timothy presents a genuine comparison of Medicare Advantage and Medigap supplement plans based on each client's health needs, preferred doctors, and budget.
Part D Drug Plan Optimization
Prescription drug plans are more complex than most seniors realize. Timothy checks formulary coverage and preferred pharmacies for each client's specific medications.
Annual Plan Reviews
Plans change every year. Timothy proactively reviews clients' plans each AEP to ensure they are still on the right coverage — a service Statewide counselors (SHIBA) cannot provide.
Oregon/Washington Cross-State Coverage
Seniors who live in WA but have Oregon-based doctors, or who are relocating from Portland, face unique Medicare plan challenges. Timothy specializes in cross-state scenarios.
Service Area
Timothy Jones serves Medicare beneficiaries and pre-Medicare seniors throughout:
Timothy is also licensed in California, making him uniquely equipped to help snowbirds, dual-state households, and seniors who split time between WA and CA.
Why "Independent" Actually Matters
"I don't work for UnitedHealthcare. I don't work for Humana. I work for you. The carriers pay me the same rate no matter which plan you choose — so the only question I'm asking is: what's best for you?"
— Timothy Jones
Many seniors in Clark County don't realize that working with an independent broker costs them nothing. The insurance carrier pays the broker's commission — at rates set by the federal government (CMS). This means you pay the exact same monthly premium whether you enroll through Timothy or by calling the insurance company directly. The difference is that Timothy compares all your options for you and ensures your doctors, drugs, and preferred pharmacies are covered before you sign up.
Built on Referrals
Most of Timothy's clients are referrals from satisfied clients, physicians, HR departments, and financial planners. When a local employer is helping an employee navigate retirement, or when a doctor's office has a patient asking about Medicare, Timothy is the name they trust to call. That kind of trust is earned one client at a time — and it shows up in every conversation Timothy has.
Explore Resources From Timothy
Disclaimer: American Senior Choices is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to plans we offer in your area. Contact Medicare.gov or 1-800-MEDICARE to get information on all your options.