About Me

As an independent agent, I don't work for just one insurance company. I represent multiple companies including United HealthCare, Aetna, Humana, Cigna, Wellcare, Mutual of Omaha, Anthem Blue Cross Blue Shield and many more. Different companies and plans could be a better fit for different people. I am able to help you by comparing plans available in your area that meet your needs. I will check networks to find out which plans your doctors accept. I will also check drug costs to find the best Part D Drug plan for you. There is never any pressure. I am here to help answer your questions you have now and in the future. I am able to help you get enrolled and help with plan changes in the future. Also, there is never any cost to use for my services and I take your privacy very seriously. Your info is never shared.

This is a personal decision and everyone is different. My parents are both on Medicare plans and each chose a different option. My mom hates risk and would rather pay more in premiums to lower her health care risk. My dad is the opposite. He didn't want to pay an additional premium and also wanted the extra benefits Medicare Advantage Plans provide. He has been saving all the money he would have paid for a Medicare Supplement Premium. Both parents are very happy with their decisions! It just goes to show there is a plan for everyone. 

For 2024, the standard Medicare Part B premium amount is $174.70/month. If you or a spouse didn't work long enough and pay Medicare taxes, you could also be required to pay a Part A premium (but most people don't). The Part B premium can be adjusted based on income. Right now they are looking at the 2022 tax return to determine if you will pay the standard amount or if they will charge you IRMAA (Income Related Monthly Adjustment Amount). Find out more info here: https://www.medicare.gov/your-medicare-costs/part-b-costs

You may have seen a TV commercial or ad regarding getting money back in your Social Security check. Plans vary by area, but this may be an option in your area. The ads that talk about getting all of the Part B premium back in your check are typically referring to Medicare Savings Programs available to people with low income. Find out more here: https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs.
There are a few Medicare Advantage Giveback Plans that do not require you to be low income. There is usually a tradeoff in benefits with these plans. I can give you the pros and cons so you can have the information you need to see if a giveback plan is a right fit for you.

If you are still working and covered by your employer group health plan with 20 or more employees, you are able to delay Medicare enrollment without a penalty for late enrollment. Most people will go ahead and enroll in Part A, which is zero premium if you worked enough time and paid Medicare taxes. The only time you will not want to get Part A is if you have an HSA. Medicare plans don't have a high enough deductible for you to quality for having an HSA account. Find out more info here: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65. Many people continue to work after 65 but still go on Medicare insurance because it may be less expensive and have more benefits. Contact me to help you compare Medicare costs and benefits with your employer plan.

I am currently licensed and appointed with the top insurance carriers in Georgia, Florida, South Carolina, Tennessee and North Carolina.