Jessica McKay, Medicare Insurance Agent
Jessica McKay
McKay Insurance, LLC
Medicare Agent Licensed in CT and NE
19+ Years of Experience
Contact Details
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Location
Bridgeport, NE
About Me
Hey there, my name is Jessica, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Jessica McKay
I spend part of the year outside Illinois. Will my Medicare Advantage plan still cover me when I’m away?
Answer: It is based on your permanent residence, but it would be smart to find a plan that works wherever you are. I'd recommend a Medicare Supplement Plan G, instead of an MA plan.
I live in the UK and visit the U.S. for one month a year. Will Medicare Part A cover me, and are there top-up travel policies for costs Part A doesn’t cover?
Answer: NO. Medicare is for US citizens and permanent residents, only.
What can I change during the October 15 through December 7 enrollment period?
Answer: Open enrollment is for PDP, MA and MAPD specifically. It is a great time to review all your coverages, though.
I have a SCAN Medicare Advantage plan and turn 66 in November. Can I switch back to Original Medicare during this enrollment period?
Answer: Yes, you can! You have a 12 month window to "try" Medicare Advantage. If it is not a right fit for you, get in to a different agent, right away.
Keep in mind this window is a one time opportunity, if you enroll in another MA or MAPD plan, you don't have another window.
Should I review Medicare coverage even when I like my current plan?
Answer: Absolutely! EVERY. SINGLE. YEAR! It is not as necessary with Medicare Supplement, but with PDP or Medicare Advantage, those plans should be reviewed every year, during open enrollment, no matter what. Those plans can have drastic changes from year to year.
What does the "Medicare-approved amount" mean, and how do I know if my doctor accepts Medicare assignment?
Answer: The easiest way is to simply ask your doctor if they accept Medicare. If they do, they accept Medicare assignment. The Medicare approved amount is a contractual amount decided on, by Medicare and the provider on what Medicare is willing to pay for any given service. Say, the doctor charges $100 for an appointment, but Medicare only approves $50, that is what Medicare will pay your doctor. Your doctor will then write off the remaining amount.
What do you enjoy most about working with Medicare clients?
Answer: Personally, I'm a bit of an old soul. I love the stories people tell, and I've never met a stranger. I'm also very strict about my moral code, so I do the right thing, every time, for my customer.
I called to ask about a knee replacement and suddenly they said I need prior authorization. I thought my plan was supposed to be good-what's going on?
Answer: There is still prior authorization needed. Many doctors will want you to try other options before going full replacement. You can go to any doctor that accepts Medicare, but prior authorization is necessary.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare agents have more up to date information on the markets, and which companies or plans work best for you needs.
Can I change my Supplemental/Medigap plan at any time?
Answer: Yes, you can. There is no open enrollment for Medicare Supplement plans. You will have to answer health questions.