Home of the 3E Journey
Your Path to Medicare & Social Security Clarity Starts Here
We turn confusion into confidence—with guidance built around you.
Countdown to the 2027
Annual Enrollment Period:
2027 Annual Enrollment
Period is open for:
Problem Title
Medicare and Social Security decisions can feel overwhelming, and without clear guidance, it’s easy to delay decisions or make choices that impact your coverage, income, and long-term retirement security.
You might be feeling:
Unsure when to enroll in Medicare or Social Security
Worried about making a costly mistake
Confused by conflicting information from mail, TV, and online
Unsure how income and Social Security affects your Medicare premiums
Overwhelmed by plan choices, deadlines, and rules
Pressure to decide without fully understanding your options
With the right guidance, Medicare and Social Security decisions become clearer and more manageable. You can move forward with confidence, knowing your coverage, timing, and benefits are aligned—and that you have trusted support along the way.
Here’s how I help:
Clarify your Medicare options and enrollment timing
Align Medicare decisions with your Social Security strategy
Help you avoid penalties and costly coverage gaps
Explain your choices in plain, understandable language
Provide personalized guidance based on your goals and finances
Offer ongoing support as your needs change over time
Solution Title
This is why we created
The 3E Journey
The 3E Journey is a guided experience designed to bring clarity and confidence to your Medicare enrollment process. Through personalized guidance and supportive resources, it helps you feel informed, prepared, and in control every step of the way.
Customized Engagement
We take time to understand your specific situation—where you are in your Medicare journey, what questions or concerns you have, and what matters most to you.
You receive information and guidance tailored to your needs, eliminating confusion and helping you feel seen, heard, and supported from the start.
Empowered Understanding
You’re guided through your options with clear explanations and direct help navigating plans, paperwork, and deadlines.
You'll gain clarity and confidence as the process feels less overwhelming, with someone by your side simplifying the complex.
Elevated Support
You gain not only a clear grasp of your current Medicare coverage but also ongoing education and support as your needs evolve.
You leave knowing you have a trusted expert in your corner—someone who will continue to guide you through any future changes to your health, coverage, or Medicare policies.
Not sure which path is right for you? A personalized consultation can help clarify your next steps.
Take our Medicare Quiz now to figure out your next steps!
This quiz is designed to help you navigate medicare by walking you through the key questions and options available. By the end you'll have a clearer understanding of where you stand and what steps to take next in your Medicare journey. It covers things like:
Current Health Coverage
Retirement Plans
Future Healthcare Needs
Guidance You Can Trust
I specialize in helping individuals and couples navigate the complex intersection of Medicare, Social Security, and retirement planning. This includes understanding how income impacts premiums, IRMAA surcharges, and long-term healthcare costs. With deep experience, ongoing education, and a client-first approach, my goal is to simplify complex decisions and provide clear, personalized guidance you can feel confident in.
*Medicare planning and enrollment expertise
*National Social Security Advisor certification
*IRMAA certified planner and income-related planning guidance
*Ongoing support beyond initial enrollment
*Personalized, one-on-one advisory approachThis is a Paragraph Font
Meet Joy
With nearly a decade of experience in the Medicare plan(s) space and as a National Social Security Advisor Certificate Holder, Joy has seen firsthand how overwhelming and confusing the Medicare process can be—especially when people are left to navigate it alone. The frustration, misinformation, and missed opportunities she witnessed motivated her to create the 3E Journey: a clear, compassionate path that empowers people to move forward with clarity and confidence.
At J King Insurance Agency, Joy and her team are on a mission to make it “A Joy to Enroll.” They educate, advocate, and simplify Medicare plan(s) for those approaching retirement or already enrolled—because no one should feel lost or uncertain when it comes to something as important as their healthcare.
Whether you’re transitioning from employer coverage or enrolling for the first time, Joy takes the time to explain your options in a way that makes sense. Her clients trust her because she removes the stress, breaks down the complexity, and ensures they feel truly supported every step of the way.
Joy Cheney
Testimonials
"I just wanted to thank you for suggesting the change to Cigna. I got our first two prescriptions today and Frank's went from $60 to $25 (the one that you said went up to $189. in Humana's formulary!) and mine went from $68 to $10! And with our two premiums just about the same as Humana's. Thank you!
Also took your advice and waited for my second shingle shot which was at no cost ($210 in 2022)! Thank you!"
Cindy
Client
"Our experience was awesome! We were faced with transitioning from employer sponsored (COBRA) healthcare insurance to Medicare supplemental insurance and Joy helped us navigate the vendor selection and enrollment process. She made the selection process easy to understand and the enrollment process painless. We cannot say enough. Thank you."
"Our experience was awesome! We were faced with transitioning from employer sponsored (COBRA) healthcare insurance to Medicare supplemental insurance and Joy helped us navigate the vendor selection and enrollment process. She made the selection process easy to understand and the enrollment process painless. We cannot say enough. Thank you."
Peter
Client
"I have nothing, but positive things to say about Joy! She is truly amazing! She was instrumental in a family member of mine getting the right policy for their needs. Joy made it effortless and worked around my busy/hectic schedule. She was great at communicating and helped us navigate a couple of challenges with picking the right coverage for the medical providers my family member already had. I referred other people to her because I had such a phenomenal experience!"
BERNICE
Client
J King Insurance Agency, Inc. is a licensed health insurance agency and is not affiliated with, endorsed by, or acting on behalf of 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 the plans we do offer. Please visit Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Program to get information on all of your options.
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