The People Behind MMS

Medicare Made Simple Team

Independent experts who put your needs first — every time.

Jay Rayl

Jay Rayl

Owner / President

Founded MMS in 2006. Senior Regional Manager of TLC Insurance Group with 20+ years of Medicare expertise and a passion for putting clients first.

Full Bio
Lori Bellman

Lori Bellman

Broker Growth & Development Manager

20 years of Fortune 500 marketing experience plus 8+ years in Medicare. Helps brokers build sustainable, growing businesses.

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Penny Krych

Penny Krych

Client Relations & Office Manager

The warm, reliable voice behind MMS operations. Keeps everything running smoothly so clients and agents always get the attention they deserve.

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Tracy Rayl

Tracy Rayl

Administrative & Data Specialist

Jay's trusted partner in keeping MMS organized and running efficiently. Handles data entry and administrative support with care and precision.

Full Bio
TLC Insurance Group

TLC Insurance Group — Back Office Support

Commissions, Compliance, Contracting, Broker Support, Graphic Design, Systems Management, Lead Coordination, Strategic Partnerships, and Marketing.

Meet the TLC Team

Ready to Work With Our Team?

We're here to help you find the right Medicare plan — at no cost to you.