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Tom Lockwood

Hi, I’m Tom Lockwood

Direct Line: 800-913- 3419
View My Online Appointment Scheduling System

My name is Tom Lockwood and I am a member of the MediGap Advisors team. I’m here to introduce myself and explain my decision to become a Personal Benefits Manager.

I know how frustrating and time-consuming finding a Medicare supplement plan (also known as a Medigap plan) can be. As I approached 65, my wife, Margret, and I started looking at our health care options. We were particularly interested in supplementing our prescription drug coverage. We needed the right plan to keep our out-of-pocket expenses manageable.

I contacted MediGap Advisors and started to ask questions and get an idea of what kind of Medigap plan we wanted. Soon I began to receive calls and emails from an agent who worked for another company. He gave us the “hard sell,” and then tried to pressure us to make up our minds quickly. I told him we needed some time to consider our options.

He was not pleased to hear this and became irate and rude. That made our choice of Personal Benefits Manager easy. We were done looking: we were only going to work with MediGap Advisors to get help with our health care needs.

Working with our Personal Benefits Manager turned out to be a wise move, and it just kept getting easier. He listened to our specific concerns and encouraged us to take our time to review the options. Ultimately, he helped us find a plan that gave me more comprehensive coverage and ensured that it was my doctor who chose my prescriptions and not a restrictive drug list. This kind of personalized customer service really had an impact on me.

I have spent most of my life working in IT management and had never considered a career in insurance. After this experience, however, I really felt helping people take charge of their health care was my new calling. My wife (as always) was completely supportive, and now here I am at MediGap Advisors—and enjoying it.


My wife Margret always encourages me

My Wife Margret Is My Inspiration


Biking with grandsons

Out Cycling With Luke and Tyler

My Wonderful Family

My father was a career Navy officer, so we moved a lot. We called places all over the world “home.” My family and I lived all over the U.S. and in Germany and Spain as well.

Living so many different places gave me a real appreciation for the differences between people. More importantly, it gave me a real sense of how we are all connected and how building those connections requires respect, empathy and integrity. This is a philosophy I still believe in.

I was serving as a member of the U.S. Navy when Margret and I met. We’ve been married for 40 years. Margret is my inspiration and has always supported and encouraged me.

We have two grown children: a daughter, Melissa, and a son, Gunnar. I am proud of both our kids and their accomplishments. Melissa and her husband Jason are amazing parents to Luke and Tyler, my energetic grandsons. Gunnar recently earned his degree with honors from the University of California at San Diego.

Margret and I are avid cyclists. We enjoy riding our bikes with our grandsons and always go out prepared for any type of weather. We’ve even been snowed on!

Our daughter Melissa, her husband Jason

Our daughter Melissa, her husband Jason
and grandsons Luke and Tyler

Son Gunnar and girlfriend Aiko

Son Gunnar and girlfriend Aiko

Riding the Rails With Luke

Riding the Rails With Luke

Another Passion: Making Connections

When I am not working or spending time with my family, I have a guitar in my hand. I picked it up as a teenager and haven’t put it down since! I have performed solo and with a band, but my favorite thing to do is get together with other musicians and just play. Practicing with fellow music lovers is just as much fun as being up on stage. No matter what I do, my focus is on making connections with people.

That’s true of my approach to my business as well. Great customer service builds relationships. Nothing is more rewarding to me than helping people tackle this significant life decision. I can help you weigh your options and choose a Medigap plan that is right for you and your family. Together, we’ll find coverage that will protect your health and your finances.

As a MediGap Advisors Personal Benefits Manager, I am part of an organization that cares about integrity. I can promise to really focus on you and what you need: there will be no hard sell and no pressure. I am here to answer your questions, look at your choices, and then step back and let you be in control of your health care future.


Tom Lockwood Signature

Tom Lockwood
Direct Line:  800-913-3419
View My Online Appointment Scheduling System

Mrs. Rivers Mary Maxwell

Charles F. David


A Message from Our President, Wiley Long

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"My Personal Benefits Manager is Tom Lockwood and he has been terrific in helping me navigate Medicare. I think your product and organization is terrific quality and very much needed in getting on board with the many nooks and crannies of Medicare. Thanks so much for providing such a quality website and service."

Carole Boyajian - Burbank, CA

"Tom,  thank you so much for getting honest quick answers, we are both impressed.  My wife is happy to know what a great job you are doing for us and all we need to do is just give you a note or call and we get service! You are the best I am still impressed and Happy."

Jerome Kaminshine - Cushing,OK

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1281 E. Magnolia St., Unit D #233
Fort Collins, CO 80524
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Disclaimer: Medigap Advisors is not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.