Isom Julian, Medicare Insurance Broker
Isom Julian
MVP Insurance Services
Medicare Broker Licensed in PA, FL, GA, IN, KY, MI, OH, SC, TN, TX, VA and WV
Contact Details
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Serving
Sharon, PA
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Phone
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Website
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Schedule An Appointment
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Instagram
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Isom Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello, my name is Isom Julian, and I’m a licensed insurance agent here at MVP Insurance Services. It’s
been an incredible experience working alongside this dedicated team for the better part of the past three years. As someone who has had a close friendship with the founders of MVP for over 20 years, I’ve had the unique privilege of watching this agency grow from the ground up.
With over five years of experience serving and protecting this community, I consider it an honor to help individuals and families find coverage that truly meets their needs. Whether you’re exploring Medicare options or supplemental protection, I’m here to guide you every step of the way—with no cost for my services.
My areas of expertise include:
Medicare Advantage & Medicare Supplement Plans
Prescription Drug
Dental & Vision Insurance
Hospital Indemnity and Other Ancillary Health Products
Annuities
I’m committed to making sure every plan is customized for your unique situation—no matter what it takes. I look forward to the opportunity to work with you!
Isom Julian
Licensed Insurance Broker
MVP Insurance Services
Q&A with Isom Julian
Are Medicare Advantage plans guaranteed issue?
Answer: Yes, Medicare Advantage plans are guaranteed issue during your Initial Enrollment Period and during the Annual Enrollment Period. Meaning insurance companies cannot deny you coverage or charge you more based on your health or pre-existing conditions.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: Unfortunately, Medicare was designed to be more of a social insurance system. Meaning that everyone shares the cost of coverage regardless of how much you personally use it. While it may feel unfair, the tradeoff is that when your health does change, you'll have full coverage to help meet your needs.
When will my provider send my Annual Notice of Change?
Answer: Your provider is required to mail the Annual Notice of Change no later than September 30th each year!
How do I switch back to Original Medicare from a Medicare Advantage plan, and will I face any penalties or coverage gaps?
Answer: You can switch back to Original Medicare from a Medicare Advantage plan during the Annual Enrollment period (October 15th-December 7th) or during the Open Enrollment period (January 1st-March 31st), with no penalty for making the switch.
How can I lower my Medicare Part B premium if my income drops after retirement?
Answer: If your income drops after retirement, you can request a reduction in your Part B premium by filing Form SSA-44 with Social Security, which allows you to report a life-changing event like retirement that caused your income to decrease. Medicare Part B premiums are based on your income from two years prior, so if you retired recently, you may be paying a higher Income Related Monthly Adjustment Amount surcharge based on your old working income. Appealing this can save you hundreds of dollars a month while your lower retirement income catches up in the system.
What is the maximum out-of-pocket limit for Medicare Advantage plans?
Answer: The federal maximum out-of-pocket limit for Medicare Advantage plans is $9,350 for in-network services. Once you have hit that limit, your plan will cover 100% of any covered service for the rest of the year. The great news is that many Medicare Advantage plans have set their maximum out-of-pocket limit well below the federal maximum.
How do Medicare copays work?
Answer: A copay is the fixed amount of money you pay for a service. For example, $20 to see your primary care doctor or $45 to see a specialist. These prices vary depending on your specific Medicare plans.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent allows you to build a lifelong relationship with an agent who will advocate for you and help you find the best plan for you. Having an agent who is there to answer the confusing questions you may have year-round can be very beneficial when issues arise.