Jessie Grace, Medicare Insurance Agent
Jessie Grace
Financial Benefits Insurance, Inc
Medicare Agent Licensed in HI
Contact Details
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Location
Hilo, HI
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Website
Jessie Can Help With:
About Me
Jessie is a born-again believer in Yeshua! Her purpose is her passion. As a daughter of aging parents, Jessie is committed to helping our kupuna in the State of Hawaii, located on Hawaii Island. Jessie helps Kupuna and beneficiaries navigate through the Medicare process and find better healthcare and retirement solutions.
Jessie lives in lovely Waimea, attends Imiola Church, married to Harry K Grace, Jr., mother of five adult children and eleven grandchildren and three great-grandchildren.
As an ohana, she truly enjoys serving her community by delivering meals to our Kupuna’s between Kawaihae and Paauilo, on her free days, she and Harry like to go big game fishing, mostly for ahi, hang out at the beach, enjoy family Shabbat dinners around the dining room table, talking story, and vacations to fun places.
As a Licensed Health Producer in the State of Hawaii, it is her honor to help you put your health insurance plan in place. YOU are your family’s most valuable asset; insurance gives you a better quality of life and gives them peace of mind.
Who doesn’t want PEACE of MIND?
As a leader in our Financial Benefits Insurance team, what we’ve been blessed with is her Aloha Spirit, her undeniable dedication to providing outstanding service to her clients and our island Kupuna.
Jessie Naomi Grace has a talent to break things down for her clients into easy understandable chunks; she’s able to provide clarity in regards to Medicare for our Kupuna. She is extremely supportive of both her clients and fellow brokers, and will provide some of the most constructive and relevant feedback.
Jessie will stand behind our company’s slogan “Benefits is our Business, Service sets us apart!” She leads with integrity and she is always striving towards keeping the highest of standards!
Q&A with Jessie Grace
I’m a 100% disabled, Tier 1 veteran turning 65 next year, and the VA covers my care, including private doctors and hospitals, at no cost to me. Why would I need Medicare Part B, and why would I face a penalty if I don’t enroll?
Answer: Unfortunately VA is not creditable medical coverage according to Medicare, prior to your 3 months before you turn 65, contact a local agent to review your options.
I’m on Humana Medicare. Customer service pre-approved a nuclear stress test, but I just got a $780 bill. They escalated it over a week ago and never called back. Do I have to pay? How do I file a complaint?
Answer: Contact Humana customer service, they will guide to file an appeal or they maybe able to explain why you are being billed.
I have PERS Providence Medicare through year-end and must choose between UnitedHealthcare and Moda Connexus. Which do you recommend?
Answer: Choosing a Medicare health plan is a personal choice depending on your doctors, if they’re in network, and your prescription drugs. Go to Medicare.gov to compare both your plans to see what would work best for you.
A corrected 1099 and amended tax return moved my inherited IRA income from 2023 to 2024, when I actually received the funds. How can I get my Medicare premiums reduced after paying over $700 a month since 2024?
Answer: I would recommend you contact your Social Security local office or go online at ssa.gov and update your income. The Medicare look back is two years.
I’m turning 65 in North Carolina. When should I start looking at my Medicare options?
Answer: You should start your search three months prior to your birthday month. Your Medicare, if qualified, will start the first day of your birthday month.
I have VA health benefits and Medicare — which one pays first when I get care?
Answer: Is it Medicare Part A and B, or is it just Medicare Part A, or is it Medicare Advantage plan? To answer that question, it depends on what type of Medicare you have.
I am a resident of another country outside of America. Will I still be covered living abroad?
Answer: Thank you for your question! 😊
Medicare generally does not cover medical care when you live in a foreign country outside the United States. There are a few limited exceptions, but in most cases, you would be responsible for your medical expenses abroad.
Here are a few important things to know:
• Original Medicare (Parts A and B): Generally does not cover routine medical care outside the U.S.
• Medicare Advantage (Part C): Some plans offer limited emergency or urgently needed care while traveling abroad. Check your specific plan for details.
• Medicare Supplement (Medigap): Certain plans provide limited coverage for foreign travel emergencies, subject to plan rules and limits.
• Prescription drug coverage (Part D): Generally does not cover prescriptions purchased outside the U.S.
If you plan to live abroad permanently, I recommend researching international health insurance and checking with Social Security or Medicare before making decisions about your current coverage. Dropping Medicare coverage and trying to enroll again later may result in late enrollment penalties or coverage delays.
For official information, visit Medicare.gov – Travel Outside the U.S.
I hope this helps you make an informed decision and stay protected wherever life takes you! 🌺