Medicare guidance that feels clear, personal, and unrushed.
Medicare decisions can affect your doctors, prescriptions, monthly costs, and the way you access care. We believe those decisions deserve more than a rushed quote or a one-size-fits-all answer.
Medicare Universe was created to give people a more thoughtful place to ask questions, understand their options, and make informed decisions with help from a licensed insurance professional.
Clarity before decisions.
Our role is to help make Medicare easier to understand so you can make your own informed coverage decisions with greater confidence.
Medicare can be difficult to navigate because the details matter. Provider networks, prescription formularies, premiums, copays, plan rules, and other costs can all affect whether a particular option fits your situation.
That is why our process begins with listening. We learn what matters to you, explain Medicare in plain language, and review available options from the insurance organizations we represent. We can then walk through important differences and tradeoffs so you understand what you are considering before you make a decision.
The goal is not to make Medicare feel more complicated. It is to make the decision-making process more understandable, more organized, and more personal.
A more thoughtful way to review Medicare.
We listen first
We start by understanding your current coverage, healthcare needs, priorities, and the questions you want answered.
We explain clearly
We break down Medicare terminology, plan rules, and costs in plain language without unnecessary jargon.
We compare carefully
When appropriate, we review available options from the insurance organizations we represent and discuss meaningful differences.
You stay in control
We provide information and support, but the decision is always yours. A review does not obligate you to change coverage or enroll.
A personal approach backed by years of client-focused experience.
Born and raised in Phoenix, Arizona, Scott Lavit brings nearly 15 years of combined experience in financial services and insurance to Medicare Universe.
He founded Medicare Universe around a simple idea: people should have the time and information they need to understand their Medicare choices without feeling rushed or overwhelmed.
Scott's approach is centered on listening, clear communication, and helping each person focus on the details that matter to their situation. Medicare needs can change over time, so the relationship does not have to end with a single conversation or enrollment decision.
Outside of work, Scott enjoys spending time with his wife and three children and remains proud to call Arizona home.
Local roots. Multi-state service.
Medicare Universe is based in Phoenix and serves Medicare consumers throughout Arizona, New Mexico, and California. Most consultations can be handled conveniently by phone or virtually, making it easier to get one-on-one help wherever you are located within the states we serve.
Start with a Medicare coverage review.
If you have questions about your current coverage or want to understand the options available to you, Medicare Universe can help you review the details in a clear, organized way.