Caleb Pearson, Medicare Insurance Agent
Caleb Pearson
Medicare Agent Licensed in TN and VA
Contact Details
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Location
Kingsport, TN
Caleb Can Help With:
About Me
Hi! My name is Caleb, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Caleb Pearson
What do you like most about being a Medicare agent?
Answer: What I enjoy most about being a local Medicare agent is the opportunity to truly connect with people in my community and help them navigate an often confusing system. Medicare can feel overwhelming, especially when you're trying to make the best decision for your health and budget. I love being able to simplify the process, answer questions clearly, and provide personalized support that’s just a phone call or visit away. Knowing that I’ve helped someone feel more confident and secure in their coverage—that’s incredibly rewarding.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: This is a question that I get asked often. Yes, there are Medicare Advantage plans that have a $0 monthly premium, that doesn’t mean they’re completely “free.” You still have to pay your Medicare Part B premium (unless it's covered by a program you qualify for), and there can be out-of-pocket costs like copays, coinsurance, and deductibles when you use services.
The $0 premium plans can be a great option depending on your healthcare needs and budget, but it’s important to look closely at the plan’s coverage, provider network, and maximum out-of-pocket limits.
I always recommend taking the time to meet with an independent Medicare agent (over the phone or in person) to review your plan options.