Chris Hajjar, Medicare Insurance Agent
Chris Hajjar
Seniors Financial Solutions
Medicare Agent Licensed in MI, AL, FL, GA, IL, IN, NC and TN
8+ Years of Experience
Contact Details
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Location
Walled Lake, MI
Chris Can Help With:
About Me
Hi, my name is Chris and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Chris Hajjar
I'm considering concierge medicine but already have Medicare. How would these work together?
Answer: You can have both Medicare and a concierge physician. Medicare covers eligible medical services, while the concierge fee covers extra services and enhanced access not typically covered by Medicare. The specific arrangement depends on the physician's concierge practice and participation with Medicare.
How do you stay up to date with changes in Medicare policies and plan options each year?
Answer: I stay up to date by completing annual Medicare training and certifications, reviewing updates from the Centers for Medicare & Medicaid Services (CMS), attending carrier training sessions and webinars, reading plan communications and Annual Notices of Change (ANOCs), and regularly reviewing Medicare guidelines to ensure I provide accurate and current information to beneficiaries.
Are there any changes I should expect for Medicare in 2026?
Answer: Yes. Medicare costs and benefits can change each year. For 2026, key changes include updated premiums and deductibles, changes to some Medicare Advantage and Part D plans, and a $2,100 annual out-of-pocket cap for Part D prescription drugs
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent can save you time, reduce confusion, and help ensure you're enrolled in a plan that fits your healthcare needs and budget.
Here are some of the key benefits:
• Expert Guidance: Medicare has many parts, rules, enrollment periods, and plan options. An experienced agent can explain your choices in plain language and help you avoid costly mistakes.
• Plan Comparisons: Rather than reviewing dozens of plans on your own, an agent can compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans based on your specific needs.
• Prescription Drug Analysis: Agents can review your medications and preferred pharmacies to help identify plans that may offer the lowest overall prescription costs.
• Provider Verification: An agent can help confirm whether your doctors, hospitals, and specialists participate in a plan's network before you enroll.
• No Additional Cost: Medicare plans generally compensate agents directly, so there is typically no additional fee for using an agent's services.
• Ongoing Support: Medicare isn't a one-time decision. A good agent can help you review your coverage each year, answer questions, and assist when plan benefits or healthcare needs change.
• Enrollment Assistance: Agents can help ensure applications are completed correctly and submitted on time, reducing the risk of delays or enrollment issues.
• Advocacy and Problem Solving: If you encounter billing questions, coverage concerns, or enrollment issues, an agent can often help navigate the process and connect you with the right resources.
Medicare is one of the most important decisions you'll make in retirement. Having a knowledgeable Medicare agent on your side can provide confidence that you're making an informed choice and help you get the most value from your benefits.
I'm taking a brand-name medication that doesn't have a generic version. How can I find a Medicare Part D plan that will cover it at a reasonable cost?
Answer: You could respond with something like this:
If you're taking a brand-name medication with no generic alternative, the most important step is to compare Medicare Part D plans based on your specific prescription, not just the plan premium.
Every Part D plan has its own formulary (drug list), tier structure, and pharmacy network. A medication that is affordable on one plan may be very expensive on another.
I recommend:
1- Enter your medications into the Medicare Plan Finder during Annual Enrollment or a Special Enrollment Period.
2- Check whether the drug is on the plan's formulary and what tier it falls into.
3- Compare the total annual cost, including premiums, deductibles, copays, and coinsurance—not just the monthly premium.
4- Verify whether your preferred pharmacy is in-network and whether mail-order pricing is available.
5- Ask your doctor if there are therapeutic alternatives that may be covered more favorably, even if there is no generic equivalent.
Thanks to the Medicare Part D redesign, there is now an annual out-of-pocket prescription drug spending cap, which can provide significant protection for beneficiaries taking high-cost medications.
As a Medicare advisor, I always run a personalized drug analysis before recommending a plan because the lowest-premium plan is often not the lowest-cost plan once medications are factored in.