Joe Ritter is one of Pennsylvania and Delaware’s most trusted independent Medicare advisors. Known for simplifying confusing Medicare options, Joe has been featured in Main Line Today, PhillyBurbs, SF Examiner, and The Daily Iowan for his clarity, advocacy, and commitment to senior protection. Joe specializes in analyzing plan changes, comparing all major carriers, and helping seniors avoid being forced into expensive or restrictive plans. His mission is simple: Declare Independence From Original Medicare™ by empowering people with knowledge and unbiased advice.
Joe Ritter is the original founder of Insurance You Keep and Valley Forge Medicare — Medicare advisory firms built on transparency, independence, and a commitment to seniors in all 50 states, primarily in Pennsylvania and Delaware. Joe is known for decoding complex Medicare rules and helping seniors protect their doctors, medications, and benefits. His expertise and consumer-first approach have led to repeated features in Main Line Today, PhillyBurbs, SF Examiner, and The Daily Iowan, where he is recognized as a leader in the Medicare education space.
He educates thousands of adults each year on navigating Medicare Advantage, Medicare Supplement transitions, particularly during years of high disruption like 2026. As an independent broker, Joe compares every major carrier — UnitedHealthcare, Aetna, Humana, Highmark, IBX, Devoted, and more — ensuring clients receive unbiased recommendations at no cost. Joe is known for his signature phrase: “When you stay ready, you don’t have to get ready.” His mission is to ensure seniors never get blindsided by plan changes again.
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“Joe Ritter has quickly become one of the region’s most trusted Medicare advisors.”
“When you stay ready, you don’t have to get ready.”
— Joe Ritter, on planning ahead for Medicare changes
Joe Ritter has been our "Medigap" Insurance Agent since September 2008. At that time, he worked for a company of which my father thought very highly, and Joe navigated my wife and me into two Medigap policies with that company. We were very pleased with Joe’s attention to detail and knowledge of the issues surrounding new retirees like us.
In 2013, Joe contacted us to let us know that he had become an independent insurance agent. He was calling to see if we wanted to compare our current Medigap policies to others that might give us comparable coverage but save us a good bit of money. (It seems that the company of which my father thought so highly had been sold, and the new firm was raising prices regularly!)
At Joe’s suggestion, I spoke with two families who had made the move from the old Medigap plan to the new one. These families were both very positive about the new plan. After further conversations with Joe, my wife and I made the switch, and, thus far, we have received comparable Medigap coverage for lower premiums. We are grateful to Joe for bringing this new Medigap plan to our attention.
My meeting with Joe Ritter, President of Insurance You Keep, was a "One stop shopping" solution for all my Medicare insurance coverage. The advantage in dealing with Insurance You Keep is that Joe can shop for the best plan that suits my particular needs, at the best rate, through his brokerage network. A half hour meeting saved me hours of time not having to deal with numerous sales calls and meetings, and I was guaranteed the best rate available.
Joe led my wife and me through the Medicare insurance buying process and made it easy for us to pick the best plan for us. It cut out all the shopping for rates.
I live in Williamsport, PA but I have a home in Lewes, DE. My business is relatively new, and Joe was very helpful in explaining insurance issues with me and my employees. He spent a lot of time with me and was patient with us as a new business. Insurance You Keep got us all a great deal on life insurance, and I was really impressed with their knowledge of the new health insurance issues affecting our company.
Joe actually came recommended to us from a good friend who was happy with him. I was turning 65 and going on Medicare at the time and Joe helped me and my wife get health insurance. We sold our home in Delaware and we live down in Florida now. Since Insurance You Keep is also licensed down here in Florida we were able to keep our insurance and our broker. We are very happy.
We take a lot of prescriptions and we were very concerned when our group health insurance was ending and we were going on Medicare for the first time. Insurance You Keep helped us find a plan with better prescription coverage than what we had with our group plan. I don’t know if we would have been able to find the plan we have now on our own.
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