Ja'el Michael, Medicare Insurance Agent
Ja'el Michael
United Healthcare
Medicare Agent Licensed in TN
7+ Years of Experience
Contact Details
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Location
Knoxville, TN
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Phone
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Website
About Me
Greetings! I'm Ja'el, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Ja'el Michael
What do you like most about being a Medicare agent?
Answer: I view retiring and the introduction to Medicare to be like sailing. You are excited for the relaxation and experiences to come but there's a bit of a storm you need to cross first. I'm your experienced guide you can trust to know that while the waves are tossing the boat, it can be scary or stressful, but you know i'm going to get you through unscathed. My joy is to take the stress from my clients by listening, creating a step by step plan, and them knowing i'm just a call away.
I keep hearing about Medicare Part D changes for 2025. Will these actually lower what I pay for my prescriptions?
Answer: It depends, the Inflation Reduction Act of 2025 reduced the out of pocket maximum from $8000 to $2000 specifically for Medicare presciption coverage. So if you have expensive medications, this could absolutely save thousands of people significant money, also ensuring they don't need to stop taking vital medications due to cost.
Alternatively, in that transition, more cost was put on the insurance companies, which can effect members. After this change many Medicare Advantage plans added deductibles on prescriptions and had to decrease some of the added value benefits to make up the cost.
Overall, the most important things to keep in mind:
1) Review your prescription coverage EVERY October. They can change drastically.
2) While reviewing it, make sure your prescriptions are in the plan formulary. Otherwise, the cost for those prescription does not count toward your out of pocket maximum.
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: First step would be meeting with a local licensed insurance agent. There are many variables involved and meeting a professional can help you create a personal plan while avoiding any unnecessary expenses.
What's one Medicare decision that too many people regret later?
Answer: Many who don't take medications decide to wait to get prescription drug coverage when they start with Medicare. The problem they face later is, there is a penalty for not having credible prescription drug coverage after having medicare for 63 days. That penalty grows the longer you go without drug coverage, and you only feel it when you want to enroll in drug coverage again. That penalty is added on to every premium for the rest of your life, unless you have special circumstances like Low Income Subsidy's.