Southern Arizona health and Medicare specialist offering independent Advantage, Medigap, and ACA guidance for Tucson metro retirees navigating Banner-UMC provider networks and desert-climate seasonal care needs.
Southern Arizona health and Medicare specialist offering independent Advantage, Medigap, and ACA guidance for Tucson metro retirees navigating Banner-UMC provider networks and desert-climate seasonal care needs. Positive client feedback for thorough Medicare reviews and enrollment assistance in the Tucson area.
Trust Score
97/100
Composite from Google reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement.
Trust Score breakdown
97/100
Consumer Reputation
+18
Google 4.9 · 393 reviews
Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.
BBB Standing
+8
Grade A+
Licensing & Verification
+3
DOI-verified listing on Insurance Trust Hub
Experience
+3
10 years in business
Government Standing
+6
CMS participation signals, Medicare focus, license verification, and (when available) plan complaint standing. Missing CMS data is scored neutrally — not as a penalty. Sub-score 88/100.
Composite from public reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement. Missing CMS data is scored neutrally.
Government Standing sub-score: 88/100. See the Plan Complaint Index for CMS complaint-rate context.
Google Reviews
I had a great experience working with Stephen Tovar from Nancy Craney’s office. I originally reached out just to get a homeowners insurance quote, and not only was the rate more affordable, but after further discussion, Stephen also helped us bundle our auto policy, which gave us
I am extremely happy with the services provided to me by the team at State Farm (Nancy Craney), via Mr. Stephen Tovar. When I contacted Stephen on Dec 22, 2025, I was met with great customer service as well as the most spectacular professionalism. Not only was I presented with kn
"I had a great experience working with Araceli at this office. She was incredibly professional, friendly, and took the time to explain my coverage options in detail. It’s rare to find an insurance team that genuinely cares about making sure you understand what you’re paying for.
3840 W Ina Rd Ste 104, Tucson, AZ 85741, USA
Better Business Bureau
Trust data last refreshed Jul 11, 2026 · BBB profile
Official government and licensing signals for transparency. Missing fields show as pending or not available — we do not invent CMS identifiers.
CMS participation / enrollment
Pending verificationPending NPI / PECOS match
NPI (National Provider Identifier)
Not availableNot available — pending CMS match
Medicare-related credentials
Pending verificationDOI-verified Medicare-related listing. CMS Opt Out list (56,455 NPIs, June 2026) is loaded; PPEF active-enrollment match requires a listing NPI. No NPI is shown until supplied by verified data — never fabricated.
State DOI listing cross-check
VerifiedVerified listing · AZ-DIFI Active ✅ (AZ)
Last Updated: July 2026
Source: CMS Opt Out Affidavits · PPEF when NPI available · state DOI. CMS dataset refresh: July 2026. Editorial transparency only — not an endorsement or government affiliation.
License number: AZ-DIFI Active ✅
Verify this agency's license status directly with the AZ insurance department before purchasing coverage.
Verify license in AZTucson, AZ
More agencies in Tucson →Specialties: Medicare Specialists · ACA Marketplace · Independent Agency
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— Sarah M. · Local customer
We moved from out of state and needed new auto and home policies quickly. They walked us through local requirements and wind deductibles without pressure.
— James T. · Recent mover
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— Priya K. · Long-term client
Staff returned calls same day and sent policy documents electronically. Would recommend for anyone shopping independent agents in the area.
— Michael R. · Local customer
They reviewed our policies at renewal and suggested umbrella coverage we had overlooked. No hard sell — just practical advice.
— Elena V. · Recent mover
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— David L. · Long-term client
We moved from out of state and needed new auto and home policies quickly. They walked us through local requirements and wind deductibles without pressure.
— Sarah M. · Local customer
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— James T. · Recent mover