Chris Smith, Medicare Insurance Agent
Chris Smith
Your Local Insurance Guy
Medicare Agent Licensed in MS, AL, GA, LA, MI, OH, SC, TN, TX and VA
Contact Details
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Location
Lucedale, MS
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Phone
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Website
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Pre-Appointment Form
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Facebook
Chris Can Help With:
About Me
Hi, I’m Chris Smith — Owner of Your Local Insurance Guy.
Based in Lucedale, MS, I serve clients across Mississippi and the surrounding areas, specializing in Medicare, health, and life insurance. With years of experience and a strong focus on education, I help individuals and families confidently navigate their coverage options without the confusion.
As a husband and father of six, I don’t take the responsibility lightly—I treat every client the same way I would my own family. That means honest guidance, clear answers, and long-term support you can count on.
Beyond the office, I’m actively involved in my community and sing gospel music with the Big Blessin’ Trio. My faith and values are at the core of how I do business—serving others with integrity, compassion, and purpose.
My consultations are free, but what I provide goes far beyond that—trusted advice, personalized solutions, and an advocate in your corner when it matters most.
If you’re looking for a local agent who will take the time to get it right and be there when you need help, I’d be honored to serve you.
Directions to My Office
My Google Reviews
42 Total Reviews (5.0 )
July 21, 2026
My experience here was incredible! He was so easy to talk to and understanding of my needs. He helped me make the best choice for my family. So thankful we were able to work with Chris!
June 19, 2026
May 8, 2026
Chris is Super nice and very helpful. Always feel better after getting help with my insurance questions from my Local Insurance Guy!
April 30, 2026
Chris is amazing! He took the time to explain how the Medicare supplements work and looked at several plans for me to verify that everything I need is covered. Then he set up the ones I chose and I was able to sign electronically while on the phone with him. It was an easy process. Thank you Chris!
April 24, 2026
Chris was so very nice and very informed on everything I needed to do. He searched and found the best plan for me. I would definitely recommend him to anyone needing any kind of insurance especially Medicare.
Q&A with Chris Smith
What costs count toward the annual out-of-pocket maximum on a Medicare Advantage plan?
Answer: The Max Out Of Pocket (MOOP) consists of the member's financial contributions toward copays (fixed dollar amounts for services), coinsurances (percentages of allowable charges) and the plan medical deductible.
It is important to not that prescription drug coverage has a seperate MOOP each year and that amout is set and regulated by CMS each plan year.
Plan premiums, dental and vision costs above the plans fixed allowances, balance billing, part B excess charges and services not covered by the plan are excluded from the plans annual out of pocket maximum and may be the responsibilty of the member.
Does Medicare cover Symbicort?
Answer: Symbicort is typically prescribed as a metered-dose inhaler. This is not covered by Original Medicare. It is most often covered by a Medicare Part D prescription drug plan.
However, if the appropriate criteria are met, Medicare Part B may cover the active ingredients budesonide and formoterol respectively when they are prescribed as a nebulized solution for use with an at home nebulizer. It is important that the nebulizer is medically necessary and prescribed as durable medical equipment (DME).
Can I get SilverSneakers with Original Medicare?
Answer: Short answer: no. Original medicare does not include silver sneakers or fitness programs. Some insurance companies include fitness programs with medicare supplemental insurances (medigap) and fitness programs are very common in Medicare Advantage plans. See your local agent for more details.
Do both spouses need to submit Form CMS-L564 to prove coverage through one spouse’s employer?
Answer: Yes, both should submit the form if they are both applying for Medicare. With the length of time it can take for Mediare to process enrollments, I wouldn't try to shortcut the process.
What are the reasons why I should work with a Medicare agent?
Answer: Local agents are in constant communication with your local providers, hospitals, clincs, pharmacies, dentists and eye doctors. This helps us to know which plans are in network and working in your area. We stay up to date on government rules and regulations that may effect our clients. We can help you with claim issues and are available year round to assist you with any problems or concerns you may have.