Jim Carroll, Medicare Insurance Broker
About Me
Jim Carroll is a National Health and Life Insurance Broker and the owner of Jim Carroll & Associates LLC, a Certified Veteran-Owned Small Business, backed by the strength of USA Benefits Group.
As a U.S. Air Force veteran and dedicated small business owner, Jim brings a unique blend of leadership, analytical expertise, and a passion for helping others. He now applies these skills to the world of health and life insurance - guiding individuals, families, and small businesses through confusing options to find personalized, budget-friendly solutions that give them full protection on their worst days - because a medical emergency can quickly become a financial burden.
Jim is contracted with over 70 insurance carriers and will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, his services are entirely free!
Reach out to Jim today to explore your Medicare insurance options and be sure to mention that you discovered him on Medicare Agents Hub!
Q&A with Jim Carroll
What are the reasons why I should work with a Medicare agent?
Answer: Would it be a bad idea to use the knowledge and experience of a licensed health insurance agent/broker who also has the annual Medicare certifications and insurance carrier trainings? It costs you nothing, but can gain you everything.
Although you may be completely comfortable choosing and self-enrolling into either a Medicare Advantage Plan or Medicare Supplement and Prescription Drug Plan, working with an certified agent/broker might mean the difference of you paying thousands of dollars more during the year by not having the knowledge of how different plans may or may not meet your specific medical needs. Can you afford to choose the wrong plan yourself and have a huge medical bill cause you financial hardship?
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: A PPO allows you to choose any providers in-network, and generally don't require referrals for specialist. And, although you will pay more for services, you can go to an out-of-network provider.
In contrast, with an HMO, you must select a Primary Care Physician and see that provider before you are allowed to see a specialist. That said, no services will be covered if you go out of the insurance carrier's network except for medical emergencies if you are traveling out of your network area.