Jessica Breland, Medicare Insurance Broker
Jessica Breland
Senior Insurance Advisory Services
Medicare Broker Licensed in LA
9+ Years of Experience
Contact Details
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Location
West Monroe, LA
About Me
Hi, I'm Jessica! I am an independent broker in the North Louisiana area & I am licensed with multiple companies.
I am here to offer guidance, resources, and education to help you make the best decision about your benefits and coverage and I help you enroll in the benefits that best fit your needs.
I do not work for an insurance company -- I WORK FOR YOU!!
I'm not just here for the paperwork; I'm there for you every step of the way. From the initial enrollment process to navigating any bumps along the road, ensuring that you're supported and informed throughout your Medicare journey.
It's not just about insurance - it's about passion, dedication, and a deep-seated commitment to making a difference in people's lives.
So, if you're ready for a Medicare experience that's simple, stress-free, and genuinely caring, call Jessica at Senior Insurance Advisory Services. Don't worry, my services are provided at no cost to you.
Located at 1807 N. 7th Street
West Monroe, La. 71291
Directions to My Office
Q&A with Jessica Breland
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: That answer would be different for each person depending on circumstances. I recommend finding a local advisor that would sit down & go over everything with you in detail. I go over everything, in detail, with each person because most of the time people don't know what questions to ask. I look at initial consultations as informative/educational appointments.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Nothing is free. Medicare Advantage plans do offer plans with a zero monthly premium, but there are other costs associated with those plans. I strongly advise you to find a local agent you can trust that can explain these plans, in detail, before enrolling in one.
I live in a rural area with limited specialists and am interested in telehealth options. How does Medicare cover virtual visits for someone in my location?
Answer: You can get telehealth services from your home until 10/1/2025, after that, if in a rural area, you will have to be in a medical office to receive telehealth services (After 10/1/2025 there will be certain services you can still get telehealth for). I advise checking with your Dr beforehand to ensure Medicare will cover the services you need.
Medicare.gov & the Medicare & You book have a lot of information that may be useful to you.
What advice would you give to seniors who are feeling overwhelmed by all the Medicare options available?
Answer: Find a local advisor you can trust that will sit down with you & explain the options to you. Usually once you have it all explained, it's not so overwhelming. One of my most important tasks is making my client's lives easier.
What do you enjoy most about working with Medicare clients?
Answer: All of it! I truly enjoy the relationships/friendships that I have made with clients over the years. There is no better feeling than when a client calls me & asks me to pray for them or a loved one. Knowing they trust me enough for such an important task is a feeling I can't describe. I love hearing their stories & taking their advice & using it going forward in my own life. And, I truly feel like I help people. It's my way of giving back to a generation that gave so much to me. It's not the "insurance" part for me, it's the people.
Should there be stricter regulations on Medicare Advantage marketing and sales practices?
Answer: No. There are so many restrictions now that it is incredibly difficult for those of us that are following all the rules. I understand the regulations are to protect beneficiaries & for the people who aren't doing right but they're not following the rules anyway. So, it just makes it harder for the rule followers. I understand the need for regulations, I just feel like there should be stricter punishments for the ones breaking the rules.
Does Medicare Part A cover outpatient surgery, or is that strictly under Part B?
Answer: No, Medicare Part A is Inpatient coverage. Part A covers things like being an inpatient in a hospital, Hospice, Home Health & Skilled Nursing. Outpatient surgery would be covered by Part B.
My Medicare Advantage plan covers dental, but I can't find a dentist who accepts it. Is this a common problem?
Answer: I wouldn't say it is a common problem but it does happen. It is very important to check all of your Doctors, Dentist, etc before choosing a Medicare Advantage Plan. Most Advantage plans give a set dollar amount per year to use for dental services. In my area, many (not all) of those plans will pay the same on dental services regardless if the dentist is in or out of network. I would recommend checking your plan's Summary of Benefits to see how your plan's dental benefits work out of network. You can request a book or go to your plan's website to find that info.
Why do some agents push Medicare Advantage plans over Medigap-should I be skeptical?
Answer: You should always be skeptical of an agent that is trying to push anything on you. My guess would be because the commission rates are higher on an Advantage plan that on a Medigap. Find an agent that will go over all of your options with you-- in an un-biased way. My main goal during initial consultations is education/information. I want to explain all of your options well enough for you to be able to make a good decision on your own. In my opinion, when someone is trying to push something on you, they have their best interest in mind, not yours.
Remember-- If it sounds too good to be true, it is!
Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones?
Answer: That depends on the doctors & the plan. Every Advantage plan has their own network of doctors. When I am trying to find an Advantage plan for someone the goal is for that plan to cover all of their RXs at the lowest cost & all current doctors are in network. Be sure the agent you see checks everything before you enroll in a plan.
I missed my Medigap window by a few months and now no one will cover me without underwriting. Why isn't this rule more well known?
Answer: There are a lot of Medicare/Insurance rules that should be more well known & this is definitely one of them. We have to put people through underwriting all the time for different reasons. This is one of the reasons I license with so many different companies... If one declines, try another. Depending on health issues, there's usually a company out there.
If you would like to give me a call, I can advise for your specific circumstances. And don't worry, no pressure. I'm happy to answer questions & give guidance with no strings attached.
Jessica Breland, 318-323-0202.