Jerry Wilson, Medicare Insurance Broker
Jerry Wilson
CMG Life, Annuity & Health
Medicare Broker Licensed in WI, IL, MS, NC, TN and TX
8+ Years of Experience
Contact Details
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Location
Menomonee Falls, WI
Jerry Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Jerry is an independent broker which specializes in providing Medicare Advantage, Medicare Supplements and Prescription Drug Plans and Senior Dental insurance plans.
Directions to My Office
Q&A with Jerry Wilson
Can my daughter work with a Medicare agent or broker on my behalf?
Answer: Medicare recognizes certain legal designations, such as a Power of Attorney (POA) or a court-appointed guardianship, that allow one person to act and make enrollment decisions on behalf of another.
If the beneficiary is capable of making their own decisions but wants help, they can appoint an authorized representative to handle their Medicare matters. This is done by completing and signing the federal Appointment of Representative form (CMS-1696).
The authorized representative can then assist with actions such as:
Communicating with Medicare on the beneficiary's behalf.
Enrolling in or disenrolling from a plan.
Filing appeals.
For an incapacitated beneficiary
If a beneficiary is physically or mentally unable to make their own decisions, a legally appointed representative must act on their behalf.
Does Medicare cover hearing aids, or do I have to pay out of pocket?
Answer: Original Medicare (Parts A & B) does not cover hearing aids.
Medicare Part B covers some hearing-related services, such as:
Diagnostic hearing and balance exams
Medical treatment for hearing loss, such as surgery or prescription medications
However, Original Medicare (Parts A & B) does not cover the purchase or fitting of hearing aids.
Some Medicare Advantage plans (Part C) may offer coverage for hearing aids, but this varies depending on the plan.
Individuals who are eligible for both Medicare and Medicaid may be able to receive some coverage for hearing aids through their Medicaid plan.
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: Action Steps: How to Compare Plans
• Compare annual costs, not just premiums
• Check star ratings for quality
• Verify provider networks and pharmacies
• Review extra benefits like dental, vision, or fitness programs
• Get expert help through a licensed Medicare insurance agent
What is the trap of Medicare Advantage plans?
Answer: Medicare Advantage (Part C) and Medicare Supplement plans help pay for costs not covered by Original Medicare (Parts A and B). However, they provide 2 different types of coverage, and you can’t have both at the same time.
Medicare Advantage bundles Original Medicare Parts A and B into one plan and usually includes Medicare Part D prescription drug coverage. Some Medicare Advantage plans may also offer extra benefits, such as routine dental, vision and hearing services. Many have a $0 monthly premium, but the Medicare beneficiary must still pay the Part B premium.
A Medicare Supplement plan, also called Medigap, isn’t bundled with anything—it’s extra coverage you can buy to help pay the out-of-pocket expenses Original Medicare doesn’t pay. In addition to paying the monthly Part B premium, there is a monthly premium for the Medigap policy and Part D plan.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: For cost-conscious seniors, the promise of a $0 premium Medicare Advantage plan sounds appealing. These plans do exist—but “zero premium” doesn’t mean zero cost.
While the monthly premium is $0:
• You still pay your Medicare Part B premium (about $206.50/month in 2026).
• You’ll pay copays and coinsurance for most services.
• Coverage depends on HMO or PPO networks, which may limit provider choice.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: If an employer has 20 or more employees, generally you can choose to delay Medicare enrollment, drop your employer coverage for Medicare, or have both Medicare and employer coverage.
If an employer has fewer than 20 employees, generally you will need to enroll in Medicare during your Initial Enrollment Period.
If you have health coverage through a spouse's employer, what you can do will depend on the employer's rules. You may be able to delay or you may need to enroll at age 65.
Before you do anything about enrolling in Medicare, you need to talk with your employer’s benefits manager. You need to understand if your employer’s insurance qualifies as creditable coverage that could allow you to delay Medicare as well as find out how Medicare and your employer’s coverage may work together. In some cases, your employer’s coverage will enable you to put off Medicare enrollment, and in other cases, you may be required to take full Medicare benefits at age 65 even if you continue working.
I'm on Original Medicare with no supplement, and I'm wondering how much I'd pay if I need an ambulance ride to the hospital tomorrow.
Answer: Under Original Medicare, you will pay 20% of the Medicare-approved amount for an ambulance ride after meeting your Part B deductible ($257 in 2025). A typical ambulance trip can cost around $1,200, so your out-of-pocket cost could be about $240.
Why is regular Medicare better than an advantage plan?
Answer: The enrollment into Original Medicare versus a Medicare Advantage will depend on each individuals healthcare needs. With Original Medicare it covers Part A (Hospital) and Part B (Medical services and durable medical equipment). There is no maximum out of pocket for the Original Medicare.
Some individuals prefer to enroll into a Medicare Advantage plan for the extra benefits and the maximum out of pocket cost.
With the selection of either plan it is important to calculate the cost you will have over the period of time you will be in retirement which can last twenty to thirty years. As we get older health cost more.
I applied for a Medigap plan and got denied because of my health history-how is that even legal when I've paid into Medicare for years?
Answer: When an individual enrolls into Medicare this is known as the Initial Enrollment Period. With the Initial Enrollment Period (IEP) the Medicare Beneficiary will have a guaranteed right to enroll into Original Medicare, Medicare Supplement or Medicare Advantage Plan with any health underwriting or questions.
However, once the guaranteed period has expired and Medicare beneficiary applies for a Medicare Supplement the private health insurer which issues the Medigap/supplement can deny coverage if the Medicare beneficiary is unable to pass the health underwriting questions.
What do you like most about being a Medicare agent?
Answer: I enjoy educating individuals on their Medicare enrollment choice of a Medicare Supplement or Medicare Advantage and Prescription Drug Plan. As an independent broker I am able to provide a custom plan to meet client's health care planning needs.