Chad Cason, Medicare Insurance Broker
Chad Cason
Lifelong Insurance Agency
Medicare Broker Licensed in GA, AL, FL, IA, KS, KY, MI, NC, NE, NM, OK, PA, SC, TN, TX and VA
16+ Years of Experience
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Madison, GA
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About Me
We've been helping Americans locally and nationwide with their Medicare coverage decisions since 2010.
In one call, we can:
- Walk you through your Medicare coverage options, like Medicare Supplement "Medigap" Insurance & Medicare Advantage "Part C" Plans in your area... with many reputable companies.
- Help you find the plan that fits your needs and budget.
- Answer any questions about Medicare and your supplemental insurance choices.
- And if you're ready to enroll, we can even sign you up over the phone, by email, or through the mail.
Our service is free, as the insurance company compensates us. Plan rates and benefits are the same whether you use an independent insurance agency or go direct with the insurer.
We save you time and money by offering many reputable insurance companies offering Medicare plans in your area! Plus, we provide annual plan reviews to ensure you're still on the right plan. There's no need to find a new agent each year or if your needs change. :)
Chad Cason
Lifelong Insurance Agency
(Owner/Licensed Agent)
My Google Reviews
159 Total Reviews (5.0 )
April 8, 2026
Very knowledgeable, and helpful. I felt like Chad had my best interest at heart.
April 1, 2026
Chad Cason and his administrative assistant are the best. They work as a team and always get back and follow up on all questions and task. Chad was very patient with me when I changed my retirement date several times. Chad was very informative and looked at the best plans to address my needs and present prescription's. If I had a question, he would always get back with me. I highly recommend Chad Cason as your Medicare coach. He will lead you in the best direction and set you up with the best plan to address your individual needs.
April 1, 2026
March 15, 2026
Chad Cason was recommended to me by a friend. Chad successfully guided me thru my Medicare journey. Chad explained the process & plans so that I clearly understood & selected the right plans for me. I highly recommend Chad Cason.
March 11, 2026
We had a great experience with Chad Cason. He and his assistant worked with us to find a convenient time to call us. Chad was very easy to talk to, answered all our questions, and was very helpful and knowledgeable. We felt great about the plan we chose, and about working with him in the future.
Q&A with Chad Cason
What is the Medicare Advantage (Part C) Open Enrollment period?
Answer: The Medicare Advantage Open Enrollment period is when Medicare Advantage (Part C) plan members can make changes to their existing plan or disenroll from their current plan and return to Original Medicare. It runs from January 1 to March 31.
The changes you can make during Medicare Advantage Open Enrollment are similar to those you can make during the Annual Medicare Enrollment period. It basically gives you another opportunity to get the coverage you want and need.
How is Medicare Advantage Open Enrollment different from Annual Medicare Enrollment?
The main difference between Medicare Advantage Open Enrollment and Annual Medicare Enrollment is who can use each one.
Annual Medicare Enrollment is when anyone with Medicare can make coverage changes for the upcoming year, while Medicare Advantage Open Enrollment is only for people currently enrolled in a Medicare Advantage plan.
Another difference between the two is the timing. Annual Medicare Enrollment is October 15 - December 7, while Medicare Advantage Open Enrollment is January 1 - March 31. Both happen every year.
How to get ready for Medicare Advantage Open Enrollment
Whether you recently enrolled or have had your Medicare Advantage plan for years, you can take this opportunity to confirm - or change - your plan choice.
Think about your experiences with your plan and review its benefits.
How does your plan stack up in the following areas?
Your doctor and other providers are in the plan network.
Your prescription drugs are on the plan formulary.
You are comfortable with your costs, including premiums, deductibles, copays, and coinsurance.
You have the additional coverage you want for dental, vision, and hearing care.
You are happy with your plan's additional benefits, such as fitness programs, mail-order pharmacy, nurse line, and other wellness services.
If you're interested in reviewing your coverage during this time, please contact us.
What should people know about Medicare and its parts?
Answer: Medicare is a federal health insurance program for people 65 and older and some younger individuals with disabilities or specific conditions, such as End-Stage Renal Disease.
There are four parts:
✅ Part A (80%) – Covers hospital stays, skilled nursing care, and hospice (usually free if you've worked 10+ years and paid Medicare taxes).
✅ Part B (80%) – Covers doctor visits, specialists, outpatient care, and preventive services (comes with a monthly premium, which is paid to Medicare).
✅ Part C (Medicare Advantage) – A private plan that combines Parts A and B, often includes prescription drug coverage (Part D), and extras such as dental, vision, hearing, grocery, and over-the-counter product allowances.
✅ Part D – Covers prescription drugs (available as a standalone plan or included in Part C).
You have two options if you want more coverage than the 80% provided under Medicare Parts A and B.
1. Buy a Medicare Supplement "Medigap" insurance plan with your A and B, which helps pay the deductibles and 20% coinsurance. Also, enroll in a standalone Part D plan for prescription drug coverage.
2. Enroll in a Part C (Medicare Advantage) plan.
Choosing the right coverage depends on your budget, health needs, and doctor preferences.
Our office can help you compare your options to find the best fit for your needs, and our service is free, as the insurance company compensates us.
Why do doctors not like Medicare Advantage plans?
Answer: Doctors often have mixed feelings about Medicare Advantage (Part C) plans for various reasons, such as:
1. Lowered and delayed reimbursement compared to Original Medicare.
2. Plans often require pre-approvals (prior authorizations) for tests, procedures, and certain medications, which means extra paperwork and delays in care, frustrating both doctors and patients.
3. Networks - If a doctor isn't in-network, patients may need to switch doctors or obtain referrals, which can cause frustration and disrupt the continuity of care.
4. More administrative duties. Dealing with different insurance companies (each with its own rules) adds complexity and time. Staff must spend more hours on the phone, filling out forms, and managing denials or appeals.
Doctors prefer Original Medicare because it's more predictable, pays faster, and involves less red tape. While some doctors participate in Medicare Advantage plans, many either opt out or view them as more challenging to work with, especially when it comes to obtaining timely and appropriate care for patients.
So my friend told me I should just go with the cheapest Medicare plan. That sounds too simple - what am I missing?
Answer: You're right to question that advice — choosing the cheapest Medicare plan can backfire if you're not looking at the whole picture.
What works for your friend may not work for you.
Consider:
Do you travel often? Some plans have limited geographic coverage.
Do you have chronic conditions? You might need more predictable coverage from a Medigap plan.
What's your financial situation? Paying more in premiums for better coverage might save you money in the long run.
You have two types of Medicare plans to choose from: Medicare Supplement (Medigap) or Medicare Advantage (Part C).
Medigap plans typically have a monthly premium but generally offer more comprehensive coverage. Plus, you can use any doctor who accepts Medicare. No networks.
Medicare Advantage (Part C) plans may have a monthly premium, but many have a $0 premium. Plans may include prescription drug, dental, and vision coverage. The trade-off is that you may incur more out-of-pocket costs for services than with a Medigap plan, plan benefits may change annually, and you must see doctors "in-network" or you will pay more or have no coverage at all.
Let's discuss your needs.
Chad Cason
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: If you have employer-based health insurance through your or a spouse's current employment, where there are more than 20 employees, and you're happy with the costs, such as monthly deductions/premiums and coverage, like potential out-of-pocket costs, you can delay Medicare enrollment without accruing penalties. If this is you, it's best to schedule a quick call so we can discuss your situation. Chad
What is one of the the most common misconceptions people have about Medicare?
Answer: That it's free! Most people qualify for "premium-free" Part A (80% hospital coverage) because they or a spouse paid into Medicare over the years. Still, Part B (80% doctor/physician coverage) has a standard monthly premium paid to Medicare. This premium is deducted from any Social Security benefits you receive, or you'll be billed directly from Medicare. You could qualify for the Part B subsidy if you meet certain income thresholds. Let's schedule a call so you know where you stand. Chad
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Currently, and in most states, it's much easier down the road to switch from a Medicare Supplement "Medigap" plan to a Medicare Advantage "Part C" plan than from a Part C plan to a Medigap plan. You have six months from your Part B start date to buy any Medigap plan and not be declined due to health. After six months, your application could be denied due to your health history. It's a lot to put in text, so call me, and we'll discuss all of it! Chad