Jessica Danos, Medicare Insurance Broker
Jessica Danos
JD Life and Health Insurance
Medicare Broker Licensed in MS, LA and TN
Contact Details
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Location
Picayune, MS
About Me
Jessica Danos, here to help Mississippi, Louisiana and Tennessee residents make sense of Medicare and Life Insurance. I make it easy to understand your options. Explore plans and enroll with confidence. I am independent and contracted with numerous A+ companies. My job is to help you find what best suites your needs.
Q&A with Jessica Danos
What is the main benefit of Medicare Part D?
Answer: The main benefit of Part D is it helps lower the cost of prescription medications. It can save money on both generic and brand-name prescription medications. It can also help prevent a Medicare Part D late enrollment penalty if you do not have creditable prescription drug coverage.
My dad’s back pain is getting worse. Can Medicare cover ongoing chiropractic care, or is it just short-term treatment?
Answer: Original Medicare Part B does not have a limit on the number of chiropractic visits if it is medically necessary to treat an active problem. It will be covered until the problem reaches maximum improvement. Maintenance after that is not covered. Some Medicare Advantage Plans may cover more visits but it varies by plan.
What are Medicare Part B excess charges, and how can I avoid them?
Answer: Part B excess charges are when doctors accept Medicare patients but does not accept Medicare assignment. They can bill you above the Medicare-approved amount legally up to 115% of the Medicare approved rate. You are responsible for the 20% standard coinsurance plus the excess charge up to 15%. Always ask your doctor or supplier: (medical equipment etc.) "Do you accept Medicare assignment?" To avoid these extra costs make sure you are in the right Medigap Plan (Medicare Supplement Plan). Plan G covers these excess charges. Plan F also covers these excess charges (if eligible before 2020). Plans like Plan N do not cover excess charges.
I live in California but might move to another state next year. How will my Medicare coverage change if I relocate?
Answer: So what will happen is when you move that puts you into an SEP (Special Enrollment Period). You will have roughly 60 days to change your plan from the date you notify Social Security of your address change. If you're on a supplement and want to stay on a supplement the premiums may change and the plan may not be available in the new area. Check with the plan you have now. You will also need to enroll into another stand alone drug plan. If you're on an Advantage Plan then you will need to pick a new plan. You're also able to switch from a supplement to an Advantage Plan or vice versa. I hope this helps!
Jessica Danos
What are the reasons why I should work with a Medicare agent?
Answer: A Medicare agent knows how Medicare works and can simplify it for you. By having an agent explain how it works in simplified terms you are able to make a more informed decision. Independent agents are usually contracted with most of the companies and can help you compare all the plan options to see what best fits your needs. Most agents have tools to easily look up your doctors and medications, so you don't have to. If any problems pop up like billing, claims, or plan changes - you have someone in your corner.