Jay Rayl, Medicare Insurance Broker
Jay Rayl
Medicare Made Simple / TLC Insurance Group
Medicare Broker Licensed in OH, AZ, FL, IN, KY, NC, NY, PA, TN, TX and WV
Contact Details
-
Location
North Royalton, OH
About Me
Independent Agent with 50+ Insurance companies. 18 years of experience helping & educating seniors to assist in making the right choice for their individual needs in Medicare.
Directions to My Office
Q&A with Jay Rayl
What do you like most about being a Medicare agent?
Answer: Being a Medicare agent is very rewarding. Everyday I feel that I am helping people. There is so much confusion in the Medicare space, and much of it hits underserved populations. Being able to make a living and feel good about what I do is very rewarding.
My Medicare Advantage plan covers dental, but I can't find a dentist who accepts it. Is this a common problem?
Answer: Not finding any dentist at all who accepts your Medicare Advantage plans is fairly uncommon. Not having the dentist you currently see not accept it, with most plans is more of a 60 / 40 chance. There are a decent number of dentists who may say they don't accept Medicare based dental plans due to the network repricing. However, most Medicare Advantage plans that offer dental have developed established networks for dentists. You should be able to find a good number of dentists that do take your plan that are close by. One common issue we see is many HMO plans use a PPO dental network. Someone calls to check to see if a dentist accepts XYZ insurance HMO plans. They are told no we don't take their HMO plan. However in reality your plan is an HMO on the medical side, but the dental is a PPO network.
I'm considering a smartwatch that monitors my heart rhythm for atrial fibrillation. Will Medicare help cover this type of wearable technology?
Answer: I have never seen original Medicare, (Part A or Part B) cover wearable technology. However, there are some Medicare Advantage plans that do. It is not a common benefit, but some do. Talk to a local independent agent to have them look this up for you!
How can I save money on my Medicare Supplement?
Answer: Medicare Supplements have been becoming more and more expensive lately. This is partially due to inflation, and the increased cost of medical care. If you have a spouse who is also on Medicare, you may be eligible for a household or spousal discount. Some companies will discount a plan upwards of 10% per person for having two people from the same household covered by the same company. You can also consider stepping down your coverage. Many people who have been on supplements for years have older plans, such as a Plan F or J. Giving yourself some small cost sharing by going to a Plan G or Plan N could be a good solution to save on premiums.