Jay Larshus, Medicare Insurance Agent
Jay Larshus
East Tennessee Insurance Agency
Medicare Agent Licensed in TN and VA
Contact Details
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Location
Johnson City, TN
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Phone
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Website
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LinkedIn
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About Me
Hi! My name is Jay, and I am your dedicated Medicare consultant and agent. I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Directions to My Office
Q&A with Jay Larshus
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The biggest mistake seniors make is not knowing all of their options that go with Medicare. Understanding the differences in Part A, Part B, and the additional Part C and Part D.
How do you educate clients who are completely new to Medicare?
Answer: I explain the differences between Medicare Supplements (Medigap) plans and the Medicare Advantage Plans (Part). We will also discuss the options with Medicare Part D. In addition, we will discuss he time frames involved with signing up for Medicare and the additional benefits.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: I sell both Medicare Supplements to pair with Original Medicare and Medicare Advantage plans. The decision to choose one over the other is dependent on a number of items. I will discuss both the advantages and disadvantages of each type of plan.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: If you already drawing Social Security prior to turning 65, Social Security/Medicare will automatically enroll and mail your Medicare card with both Part A and Part B approximately 3 months prior to the month you turn 65.
How do you approach educating clients who are new to Medicare versus those who are considering switching plans?
Answer: Clients who are new to Medicare need to be educated on the differences between Medicare Supplements and Medicare Advantage plans. They also need to understand the enrollment periods and the guaranteed issues guidelines.
I've got Medigap Plan C, and I'm curious if my recent bloodwork is included or if I need to budget for extra costs.
Answer: Medicare Plan C plan benefits vary between plans and Companies. Some Plan C policies do cover blood work at 100% whether the lab work is part of preventive exam or not. All plans will cover the Bloodwork at 100% included in annual preventative exams.
I just got a $300 bill for an ambulance ride I thought was covered. Am I the only one who didn't know Medicare doesn't pay for all emergency transport?
Answer: An ambulance bill will depend on the type of Medicare plan you have. Most Medicare Supplements today will have a Part B deductible that needs to be met first. Medicare Plan C or Medicare Advantage plans will typically have a copay for an Ambulance.
I'm retiring next year - do I need to do anything with my Medicare?
Answer: A few points: 1. If you don't have Medicare Part A & Part B yet, then you will need to sign up for both. Medicare Part B pays for most medical expenses outside of the Hospital such as: Physician visits, diagnostic tests (MRI's, CAT Scans, & etc.), lab work, surgical procedures on an out patient basis, and physical therapy to name a few. Part A pays for Hospital expenses after a deductible per admission. 2. If you only have Medicare Part A & Part B, there is NO cap in your potential out of pocket expenses. Thus, most Medicare clients will sign up for a Supplement or Advantage plan. 3. Medicare Supplement/Medigap plans and Medicare Advantage plans will provide a maximum cap in your expenses. 4. Basic Medicare does not cover Part D prescriptions so a stand alone Part D prescription plan or a Medicare Advantage plan that includes Part D is usually recommended. 5. Lastly it is usually best to sit down with someone who specializes in Medicare products to learn about all your options and which option might be a good fit for you!