Jalon Scott, Medicare Insurance Broker
Jalon Scott
Harmony Insurance Agency, Inc.
Medicare Broker Licensed in NY, AL, AZ, FL, GA, MO, NJ, PA, TN and TX
11+ Years of Experience
Contact Details
-
Location
Clifton Park, NY
-
Phone
-
Website
About Me
Hello, I'm Jalon, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare and life insurance, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub! I work with companies like CDPHP, Aetna, United Healthcare, Humana, Wellcare, Wellcare By Fidelis, VNS Health, Emblem Health, MVP, Trinity, Cigna, Highmark Blueshield and more.
Q&A with Jalon Scott
Does Medicare pay for medical alert systems?
Answer: While Original Medicare won’t cover them, some private Medicare Advantage (Part C) plans may offer medical alert systems or discounts as part of their extra benefits
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Find a good broker/agent to help you year over year. These plans change every year and sometimes in the middle of the year with network disruption. A solid agent who represents multiple companies should be able to guide you to the right plan that covers your doctors, prescriptions, pharmacy, and medical needs.
Is the cost of Medicare different for everyone?
Answer: No, the cost of Medicare is not the same for everyone.
Here’s why:
• Part A (Hospital Insurance): Most people don’t pay a premium for Part A because they or their spouse paid Medicare taxes while working. However, if you don’t qualify for premium-free Part A, you can buy it — the cost depends on how long you worked and paid taxes.
• Part B (Medical Insurance): Everyone pays a monthly premium, but the amount can vary. The standard Part B premium is set by Medicare each year, but if your income is higher, you’ll pay an additional amount called IRMAA (Income-Related Monthly Adjustment Amount).
• Part C (Medicare Advantage) and Part D (Prescription Drug Plans): These are offered by private insurance companies, so costs vary by plan, location, and coverage. Some plans have $0 premiums, while others cost more.
• Out-of-Pocket Costs: Deductibles, copays, and coinsurance also differ depending on the plan you choose and the healthcare services you use.
In short, what you pay depends on your income, coverage choices, and plan type — so it’s important to review your options each year during the Annual Enrollment Period (October 15 – December 7).
I've been on a Part D plan for a while, and I'm wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: 1. Plan Changes: Every January, Part D plans can update their formularies (the list of covered drugs), change copay tiers, or move certain medications into different cost-sharing levels.
2. Pharmacy Network Adjustments: Your preferred pharmacy might no longer be in your plan’s preferred network, which can increase copays.
3. Deductible Resets: Most Part D plans reset the deductible at the start of the year, so you may pay more until that’s met.
4. Manufacturer Pricing: Even generics can fluctuate in price if the manufacturer’s costs or supply levels change.
It’s a good idea to have your plan reviewed each year during the Annual Enrollment Period (October 15 – December 7) to make sure it’s still the most cost-effective option for your prescriptions.
If you’d like, I can review your current plan and help you compare options that may lower your prescription costs.
— Jalon Scott
Contact me.