Jordan Shanbrom, Medicare Insurance Broker
Jordan Shanbrom
JAR Insurance Services Inc.
Medicare Broker Licensed in CA, FL and NV
Contact Details
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Location
Lancaster, CA
Jordan Can Help With:
About Me
Hi! My name is Jordan, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Directions to My Office
Q&A with Jordan Shanbrom
How do I cancel my Medicare coverage?
Answer: Medicare Part A and B should never be cancelled, unless you are very wealthy and can afford all of your hospital and medical care completely out of pocket.
But, if you truly wanted to do this, you can contact the number on the back of your Medicare Benefit Card, and call the Centers for Medicare and Medicaid Services (CMS) and you can request for termination of your Medicare coverage.
If you're referring to your Medicare secondary plans, cancelling depends on the type:
Medicare Advantage:
Cancellation of the plan is typically reserved for Annual Enrollment Period (AEP) where you can terminate, enroll, or switch plan coverages between Medicare Advantage companies for a 1/1 effective date. Cancellation during the year is much trickier and requires a special enrollment period to switch to another company and plan or requires a valid grievance be sent to the health plan, and if the health plan doesn't comply, a separate grievance can be sent to CMS and they will assist with disenrollment.
Medicare Supplement:
Cancellation of a Medicare Supplement plan is highly discouraged unless you truly don't need or want the coverage anymore, or if the premiums are too expensive. Cancelling your Medicare Supplement plan does not create an enrollment period to move to Medicare Advantage unless you find a different Special Enrollment Period that you qualify for, working with an experienced Medicare agent can make this process very simple.
If no other Special Enrollment Period exists for you, the best time to cancel a Medicare Supplement plan is during AEP, where you can line up the termination of the Medicare Supplement with the effective date of your new Medicare Advantage plan, and that way you have no lapse in coverage, and you don't pay for the plan when you're not using it.
Otherwise, you can cancel the Medicare Supplement plan at anytime and you will be moved to Original Medicare only. This is not the right decision for most.
Is it worth paying more for a Medicare Part D plan with better drug coverage?
Answer: Unfortunately, all of my analysis and comparisons I've done have led me to believe that higher costing Part D plans are not worth it, and the savings is not valid in most cases. Even with individuals with high costing drugs, usually the more affordable options tend to be more appealing and cost effective. This is especially the case because your monthly premium doesn't add to the True Out of Pocket maximum that your Part D plan has for the calendar year, making any potential savings from drug coverage on these expensive Part D plans a moot point.
What is the 6-month HSA rule for Medicare?
Answer: Medicare and HSA accounts don't mix well. HSA accounts cannot be funded by you, the beneficiary, for up to 6 months before you apply for Part B. This doesn't apply to those who are delaying their Part B enrollment for much later on, but this rule still applies once you decided to retire from your employer, and will need to stop contributions 6 months before you decide on your last day you will have covergage, and the next day being the first of the month when you will be active with Part B.
Can I collect Social Security benefits without signing up for Medicare?
Answer: Yes, you can collect Social Security Income without signing up for Medicare so long as you have credible coverage that provides hospital, medical, and prescription coverage that meets the guideline set by Medicare.
Determining when you will retire fully from employment is the determining factor on whether or not you should apply for Medicare.
Part A enrollment is still required in most instances, but Part B, is not required if you have credible coverage on the job.
Does Medicare cover LASIK eye surgery?
Answer: No, it does not cover elective medical procedures, and LASIK is not medically necessary. There are corrective surgeries that can be done after a medically necessary procedure, like Cataracts and Glaucoma, but other than that, Original Medicare does not cover vision products or elective surgeries.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can be confusing and complicated if you approach it head on and by yourself. Working with a Medicare agent is like working with a Real Estate agent, you wouldn't go about selling your house all by yourself, so why would you do that with the health insurance you will be depending on for the rest of your life?
Medicare agents are trained and licensed to provide recommendations for which plan types to consider and can take all of the guesswork out of picking a plan.
If you work with a great agent, they will be acquainted with your doctors, know which plans work best with the area you reside in, and are able to take this confusing and complicated insurance and turn it into a simple "Based on what we discussed and your needs, I believe these three plans will meet your needs," versus, "Here's all 100 plans you could enroll into, did you want to go line by line on each of them?"