Jim Neil, Medicare Insurance Agent
Jim Neil
Medicare Benefits Group
Medicare Agent Licensed in MI, AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MN, MS, MT, NC, NE, NM, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WI and WV
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Commerce Township, MI
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About Me
We have over 250 5-star reviews on Google (https://maps.app.goo.gl/ug2eAxkrQescdu598) and are A+ rated with the Better Business Bureau (https://www.bbb.org/us/mi/commerce-twp/profile/medicare/medicare-benefits-group-llc-0332-90037904).
Over the years, we’ve assisted thousands of people with their Medicare planning, from advice surrounding when and how to apply for Medicare, to helping select the right supplemental insurance plan and prescription drug coverage. When you choose to work with us, you get a personal relationship with our firm where we work with you year in and year out to ensure you’re never OVERPAYING and that you’re always on the right plan. There is not a one-size-fits-all solution as everybody has different needs, health, and budget. We take pride in helping everyone, by impartially comparing plans from well-known national and local companies to find the right plan for your specific needs. Even better, our services are completely free! Contact us today to explore your Medicare options, and be sure to mention that you found us on Medicare Agents Hub!
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Q&A with Jim Neil
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: When you use a local agent like me, I have access to all of the local products. In comparison using a virtual/remote agent that may be out of state or in a call center, typically those people only have the national carrier brands and not all of the local carriers. Also, you'd be supporting a local small business in the same community that truly cares about a long-term relationship with clients and not just a one and done type of scenario where a call center typically doesn't have very comprehensive customer service for the longevity of the relationship.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: The complexities of Medicare cases typically revolve around the prescription drug coverage. I save people hundreds and sometimes thousands of dollars just by a thorough search through the plans to ensure proper coverage and saving money through copays. Many drug plans have copays of 25% but other drug plans have copays of $47 per refill. I take great pride in ensuring customers don't overpay for their insurance and for their prescriptions.
Is Medicare’s coverage for cataract surgery enough, or do seniors still face high out-of-pocket costs?
Answer: If a person has a Supplement/Medigap (Plan G, F, or N) cataracts would be covered 80% by Part B and then the 20% would be covered by Plan G/F/N after the $257 Part B Medical deductible has been satisfied. That's excellent coverage. If a beneficiary has Advantage (HMO or PPO) cataract surgery is typically covered under the outpatient procedure benefit, which can vary by plan and by state. I've seen outpatient surgery as low as around $100 and it can be as high as $400 or more. That's why people need independent agents like myself to navigate these differences in plans and coverage.
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: Usually yes. The only times you don't answer health questions are when you're new to Part B (usually when turning 65 or leaving your employer plan after you've already turned 65) or when you have any sort of 'guaranteed issue rights.' The most common of these is when someone already has Part B and is still working and he/she is coming off of the employer plan due to retirement. So something 'special' has happened meaning the employer plan was lost, therefore you have guaranteed issue rights for a Supplement with no health questions.