Jonathan Paddon, Medicare Insurance Agent
Jonathan Paddon
Medicare Agent Licensed in TN, AL, FL, GA, IL and MS
Contact Details
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Location
Hermitage, TN
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Phone
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Website
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LinkedIn
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Jonathan Can Help With:
About Me
Serving middle Tennessee and surrounding areas. As an independent agent representing multiple plans & companies, I can help you find the best fit for your particular situation.
Directions to My Office
My Google Reviews
5 Total Reviews (5.0 )
July 24, 2025
Jonathan was very knowledgeable and thorough explaining my options in a polite, friendly manner. It was a great experience and I’m 100% satisfied with the results.
November 11, 2023
Jonathan was a great resource for choosing our Medicare plan. Very knowledgeable and saved us a lot of time and headache!!
December 19, 2022
Jonathan Paddon has assisted my mother this past year with Medicare help. He has been very helpful in answering questions, etc. We can reach out to him when we need assistance or have questions. Christi Mcneeley Daughter of Hazel Gladene Gordan
December 16, 2022
So very thankful for Jonathan Paddon and the peace of mind my wife and I have knowing how professionally and compassionately he serves us with our Medicare insurance needs! ️
December 16, 2022
Awesome experience ! Thanks Jonathan Paddon for all your help
Q&A with Jonathan Paddon
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: I local agent is more likely to have direct knowledge and experience with the specific plans available in your area. Since plans vary depending on where you live, it is important to work with someone who knows the ins and outs of the options available to you. In addition, I local agent is more likely to be available for the long haul, so when you have questions or need to look at other options, you can go back to the same person who already knows you and your situation.
I'm confused about the different tiers in Medicare Part D plans. How do they affect what I pay for my medications?
Answer: The tiers on your part D plan can be thought of as "copay levels" that each of your medications is assigned to. Many plans have 5 tiers. In general, the higher the tier, the higher the copay you pay at the pharmacy. So, medications assigned to tiers 1 and 2 are usually lower cost medications such as generics. Tiers 3 through 5 are usually more expensive brand name medications. Note that you may have to pay the full cost of your medication until you have met your plan's deductible before you pay the copay corresponding to a particular medication's assigned tier.
I've had the same Part D plan for years, but this year my insulin shot up in price. Did the Inflation Reduction Act not fix this yet?
Answer: It is true that the Inflation Reduction Act caps the cost of covered insulins at $35 per month for Medicare part D members. If your insulin shot up in price, then it is possible that your plan dropped your particular brand of insulin from its list of covered medications (called the formulary). As it is likely too late to change your plan until the fall open enrollment period, you basically have two options. You can talk to your doctor about finding an alternative insulin on your plan's formulary that would be similar to the one you are currently taking. Alternatively, you can submit a request to your plan to make an exception for your current insulin to be covered. Your plan will consider your request based on your doctor's documentation of why you need that particular medication.
If a patient had surgery with more than a 3 day stay in the hospital and needed to recover from the surgery before starting rehab, can the rehab stay be delayed by up to 90 days pending recovery?
Answer: Yes with a couple of caveats. Medicare will pay for inpatient rehab in a skilled nursing as long as the rehab stay is preceded by a 3 day stay in a hospital. This is called the "Medicare 3-day rule." And it is true that beginning the rehab stay can be delayed by up to 90 days after the hospital stay, pending recovery from the surgery. However, if the delay is longer than 30 days, it must be medically inappropriate to begin rehab sooner to remain covered. Also, the above rules apply to Original Medicare. If someone is enrolled in a Medicare Advantage plan, they will have to follow the guidelines set forth by their particular plan. Medicare Advantage members are not subject to the 3-day rule, but their plan will still have to approve any inpatient rehab stay based on medical necessity.
I've heard Medicare covers an annual wellness visit. What exactly is included in this visit?
Answer: Under original Medicare, an annual wellness visit includes a review of current health status and medications and a health questionnaire to assess pressing health needs or risks. Although not a full physical, the visit will allow your doctor to create a written plan outlining recommended preventative services such as screenings and immunizations.
What do you like most about being a Medicare agent?
Answer: I enjoy the opportunity to help folks who are new to Medicare to understand how the program works and what their options are. It is particularly satisfying to help someone feel confident that they are making a choice that fits their budget and preferences and no longer be confused about all the different options.