Jeffrey Jon, Medicare Insurance Agent
Jeffrey Jon
CTR Insurance
Medicare Agent Licensed in TX
Contact Details
-
Serving
Henderson, TX
-
Phone
-
Website
-
LinkedIn
About Me
Please allow me to help you compare and find your best Medicare plan option. Email me or call to set up a time to have a brief introductory call. No cost and never an obligation.
Q&A with Jeffrey Jon
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: I think one of the most important questions to ask is if the plan will allow me to continue to travel anywhere and be covered.
If there is no network, you can travel any where in the United States and be covered. HMO's and PPOs are not universal in their ability to allow you to go anywhere and get coverage.
How will the new 2025 Medicare Part D out-of-pocket cap impact seniors and prescription drug costs?
Answer: There is a $2000 cap. Once the cost of your drugs meet the $2000 the drug plan will pick up the rest. This is only for your monthly medications not for specialty drugs, like cancer meds , etc.
What should I do if I miss the Medicare Open Enrollment period, and I want to change my plan?
Answer: Once OEP ends, (January 1st to March 31st) you can no longer change plans. (MA TO MAPD, MAPD TO MAPD) If you have a chronic condition , diabetes, heart condition, you may be able to switch to a chronic plan. You can do so once per year. If you do not qualify for a Chronic Plan, then you would have to wait for the Annual Enrollment Period beginning in October.
Shouldn't Medicare do more to address health disparities among minority seniors?
Answer: That seems to be more of a question to ask your representative. There are many gaps that could be addressed by Medicare and our representatives need to hear from you to seek ways and means to make Medicare better for all.
I've been diagnosed with bipolar disorder at age 66. How should I structure my Medicare coverage to ensure I get the mental health care I need?
Answer: It depends upon the doctors you have and where they are located. A Medicare Supplement will have no network to consider so you can go to any doctor or hospital, in which case you can keep your current doctors, etc. An MAPD plan is a network plan, and you would have to consider whether your doctors are in the network or not.
Why do some people regret choosing a Medicare Advantage plan over Original Medicare?
Answer: Medicare Advantage plans can have high out of pocket costs. if someone has health issues that require lots of maintenance, then they may be paying those high out of pocket costs, and then they can get into the cycle of making payments for past services and accumulating more for current services.
Doctors may change from year to year as to whether they will accept a certain plan or not, and then the patient with the MA / MAPD plan will have to look for another doctor.
You must also remember that the 20% of orginal Medicare has no ceiling, which can also be costly for someone with a lot of medical issues.
Am I eligible for a Special Enrollment Period if I lose employer coverage?
Answer: How long do I have to enroll in Medicare after losing employer coverage?
8 months
Your Special Enrollment Period begins when you retire or lose your employer coverage, whichever happens first. You will have up to 8 months to enroll in Parts A and/or B, but only the first two months to enroll in Parts C and/or D.