Jolynn Allen, Medicare Insurance Agent
Jolynn Allen
AIS Medicare & More
Medicare Agent Licensed in CO
Contact Details
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Location
Pueblo, CO
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Phone
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Website
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Jolynn Can Help With:
About Me
Hello! I'm Jolynn Allen, your experienced, trusted Medicare agent. I have been in Medicare for almost 20 years and have helped seniors throughout Colorado find the Medicare option that fits their needs. I represent all Colorado carriers and both Medicare Supplements and Medicare Advantage plans.
We can chat in person at one of my local offices, via phone or virtually. My services are provided at no cost to you, so don't go it alone. You deserve expert guidance with your Medicare decisions. Give me a call at 719-404-3202 to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Jolynn Allen
What do you enjoy most about working with Medicare clients?
Answer: Medicare can seem complex and over whelming. I enjoy taking the pain out of Medicare and making it simple. The number of plans available is mind boggling, but just going through a clients list of doctors, prescriptions, dental needs, travel needs, etc. helps narrow down the plan options quickly. I like that conversation to feel like a friendly chat, rather than an interrogation. Medicare isn't scary if you work with the right person.
How do you educate clients who are completely new to Medicare?
Answer: I show every client both Medicare options. You can go with the one card system of Medicare Advantage or the three card system of Original Medicare, plus Medicare Supplement and a Prescription Drug Plan. I have a simple way of showing both options. Even if a person insists they know what they want I show both because many are confused about the two options and you will always wonder what the appeal of the other option is if you don't understand both.
What role do you think technology will play in the future of Medicare?
Answer: Technology allows me to narrow a client down from 13 carriers and 129 plans to a couple of options just by entering in doctors, prescriptions and benefits. That allows me to then look at the handful of viable options and use my knowledge to find the right option for that client. As someone who trains medicare agents, I appreciate the technology allowing us the ability to present all options, look at multiple carriers all at once and sort plans by individual benefits. My agents that use the technology available to them are better agents for it. I do not feel it is a replacement for a competent agent as there are limits to the tools, but it lets great agents do their job better, faster and more accurately.
Can I change my Supplemental/Medigap plan at any time?
Answer: It depends on what you are changing to. Can you switch from one Medicare Supplement to another at anytime - yes you may, but there will most likely be underwriting involved. Outside of turning 65 or leaving employer group health insurance there are few opportunities to change a Medicare supplement without being asked health questions. If you do not have health issues changing plans can be very easy.
If you are wanting to change from a Medicare Supplement to a Medicare Advantage plan, that needs to occur during the Annual Enrollment Period from October 15th to December 7th each year.
I've been paying into Medicare for years, and I'm not sure why my specialist visits still cost me so much. What am I missing here?
Answer: It depends - if you are on Original Medicare you would have your Part B annual deductible and then 20%. If you have enrolled in a Medicare Advantage plan the amount you pay would be based on the specialist copay which can varies per plan. I would need to know what plan you are enrolled in to answer your question.
I chose Original Medicare to keep my doctors, but now I'm drowning in bills. Should I have gone with Advantage instead?
Answer: The decision to go with Original Medicare or Medicare Advantage is individual and based on several factors. The benefit of Medicare Advantage is having a maximum out of pocket, most plans do not have a deductible and most services are a copay instead of 20%. There are downsides to Medicare Advantage as well. The best way to decide is to meet with a local agent willing to go over your unique situation and determine if a Medicare Advantage plan could be right for you. You may be able to change plans at any time if you meet certain income or health criteria, so go ahead and meet with an agent now. They will let you know when the next enrollment period you qualify for will be.
What's the deal with Medicare covering medical equipment like wheelchairs- do I need a special approval?
Answer: Your doctor does a prescription for durable medical equipment and supplies such as oxygen, wheelchairs, a CPAP, etc. They just use a prescription to show the equipment would be medically necessary and appropriate for you.