About Ricky Bugg, Sr.
Ricky Bugg, Sr. is a U.S. Army veteran, a licensed Life & Medicare advisor, and the founder of Caring4U Insurance, based in South Central Pennsylvania and licensed in eight states.
His years of service shaped how he works today: show up prepared, tell people the truth, and take care of your own. When Ricky sits down with a family, the goal isn't a sale. It's making sure they genuinely understand their options, what each choice costs, and what it covers when it matters.
That's why Caring4U's promise is simply: Educate First, Pressure Never, Serve Always.
What You Can Expect
Education, Not Sales Talk
Every meeting starts with teaching: how Medicare works, what your enrollment windows are, and where the costly mistakes hide.
Straight Answers
If a plan isn't right for you, Ricky says so. If staying put is your best move this year, he'll tell you that too.
A Relationship, Not a Transaction
Annual reviews, a real phone number that gets answered, and an advisor who remembers your name and your situation.
Credentials & Coverage Area
- U.S. Army Veteran
- Licensed Life & Medicare Advisor
- Licensed in Pennsylvania, New Jersey, Delaware, Maryland, Virginia, Ohio, Florida, and North Carolina
- Working with leading carriers including Aetna, Highmark, Geisinger, UPMC, Humana, UnitedHealthcare, Cigna HealthSpring, Devoted Health, Wellcare, and Braven