Jaye Maxx Alexander II, Medicare Insurance Broker
Jaye Maxx Alexander II
Spartan Financial Management Inc
Medicare Broker Licensed in NC, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY
25+ Years of Experience
Contact Details
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Location
Charlotte, NC
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Jaye Maxx Can Help With:
About Me
Greetings! I'm Jaye Maxx, 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!
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Q&A with Jaye Maxx Alexander II
What do you like most about being a Medicare agent?
Answer: The ability to provide the seniors with the products that work best for them to manage their health care and prescriptions. To make sure that they have a well-rounded, complete health care experience.
I enjoy having a mix of products for the senior market, not just one product and one company.
I.E. Medicare Supplement plans, Medicare Advantage with Prescription Drugs(MAPD), Medicare Advantage (MA) stand alone dental and vision plans.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Medicare Advantage plans are not free! They are zero dollar cost up front, but there are co payments and co-insurance associated with these plans. It is a clever marketing ploy.
Why are hospitals not taking Medicare Advantage plans?
Answer: That is a false statement and a rumor. Hositals that take Medicare Part A and will accept MAPD plan.
How do you educate clients who are completely new to Medicare?
Answer: I educate my clients about Medicare by giving them 15 - 20 minutes to go over the complex aspects of Medicare and prescription drug coverage.
I try to build a plan that will suit my clients' lives and travel. We have a truly in-depth meeting. I have the ability to build a plan that is superior to their needs.
I'm on an expensive specialty medication. Will the 2025 Part D changes help someone in my situation?
Answer: You must always list all your medications so that they can be checked against the formulary for the companies with a MAPD or MA plan, with a PDP plan.
Every year I stress over picking a plan and still end up surprised by the bills. Is there any way to just get peace of mind with Medicare?
Answer: To learn what is best for you is to engage a professional agent who is a broker. If you take the time to speak with a local or regional broker agent, they will design a plan just for you.
I have Original Medicare, and I'm wondering if I'd save more on my dental cleanings if I switched to a Medicare Advantage plan instead.
Answer: If you get a MAPD or MA plan, don't get it just for the dental benefits. You must look at the ability to have a plan that will include your PCP and your hospital of choice . You can keep the original Medicare Part A and Part B with a separate dental plan that will cover all your needs .
Do I need a Hospital Indemnity Plan if I have Medicare Advantage? What if I am hospitalized twice in the same year?
Answer: You don't need a hospital Indemnity Plan, but I strongly encourage you to have one. With an MA or MAPD plan, you will have costs associated with your hospital stay that can place a huge financial burden upon you and your family.
I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: Biologic treatments for rheumatoid arthritis (RA) are medications that target specific parts of the immune system to reduce inflammation and joint damage. They are often used when conventional disease-modifying antirheumatic drugs (DMARDs) haven't been effective. Biologics can be administered via injection or infusion. They fall under your Part B coverage, not your Part D coverage.
I've heard that once you're on Medicare, you might not need life insurance as much. Is that true?
Answer: Medicare has nothing to do with LIFE insurance these are two different silos of the same farm! If you need to have this explained please take the time to reach out to me for further explanation