Jim Carroll, Medicare Insurance Broker
Jim Carroll
USA Benefits Group
Medicare Broker Licensed in FL, AL, AR, AZ, GA, KY, LA, MI, MO, NC, OH, PA, SC, TN and TX
4+ Years of Experience
Contact Details
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Location
Titusville, FL
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LinkedIn
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Jim Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
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.
Will Medicare cover asthma and other breathing conditions?
Answer: Yes, certain Medicare Advantage Prescription Drug Plans (MAPDs) and Medicare Advantage Dual Eligible Special Needs Plans (D-SNP) (Dual = Medicare/Medicaid), will cover different chronic and severe asthma and breathing conditions. Depending on your geographic location and insurance carrier availability, there are deductibles, and out-of-pocket maximums to meet each year.
Also, a Medicare Supplement combined with a Prescription Drug Plan (PDP) is another viable option because if purchased when you are Medicare first eligible, it is guaranteed issue and there is only a $250 annual deductible.
Every year I stress over picking a plan and still end up surprised by the bills. Is there any way to just get peace of mind with Medicare?
Answer: Absolutely. A Medicare Supplement Plan G covers 100% after you meet the $257 annual deductible. The reason this sounds so simple is because you are paying a monthly premium to a private insurance company. But, if you do the math, the 12 months of premiums are still less than the typical deductible and out-of-pocket maximums with a Medicare Advantage Plan. You can also add a Prescription Drug Plan usually a zero to little cost, depending on the Tier level of your medications.