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Meet Our Staff

As our client, you will have a team of highly qualified professionals working for you to provide you with coverage for you, your family, or your business.  Building a long-lasting relationship with our clients is our number one priority.

Christopher A. Apana

President & Managing Agent

Christopher was born and raised in New York City and considers himself a proud native of Jamaica, Queens. His love for the finance sector transpired early on while studying and developing skill sets with his business mentors in Manhattan. Chris spent the majority of his career in Wealth Management with some of the nation’s largest institutions acquiring the bulk of his experience and a series of Life, Health & Securities licenses. His career began selling mutual funds and separately managed investment portfolios to banking consumers, and after fifteen years Chris outperformed his post’s and co-founded Medicare Health Experts. He captain’s the company’s day-to-day operations and co-developed the agency’s CRM tools using years of programming practice and application. At Medicare Health Experts, Chris will serve as the main contact for compliance, public relations & sales. When not at work Chris and his wife spend their time reading, traveling and committing their time to a variety of philanthropic activities.

Adrian R. Kozel

Managing Partner

Adrian is a proud co-founder of Medicare Health Experts. He was born in Kuala Terengganu, Malaysia, and moved to San Francisco when he was three. Growing up in San Francisco supplanted the importance of being visible, transparent, and available to customers with a cutting-edge technological presence. He possesses unique skill sets in building, operating, and scaling companies from the ground up with a background in healthcare management and operations. “I am blessed to have such synergy in business; Chris and I share the same ideologies and many of the same principles. Our visions aligned, and client care came first, which is why we created Medicare Health Experts.”