Joy Spencer, Medicare Insurance Broker
Joy Spencer
Joy Spencer ~ Insurance Consultant
Medicare Broker Licensed in MD
Contact Details
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Location
Baltimore, MD
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Phone
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Website
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Schedule An Appointment
Joy 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
I’m Joy Spencer, a licensed Medicare Insurance Consultant with a deep passion for serving others and making healthcare simple and accessible. My journey into this industry began with a personal mission—to ensure that individuals and families, especially seniors, are never left confused or overwhelmed when it comes to their Medicare options.
With years of experience in the insurance field and licenses in multiple states, I bring both professional knowledge and genuine compassion to every conversation. I specialize in Medicare Advantage, Medicare Supplement, and Part D prescription drug plans, and I’m proud to work with a wide range of top-rated national and local carriers.
What sets me apart is my client-first approach. I take the time to understand your unique needs, budget, and health goals, and then help you confidently choose a plan that fits—not just for today, but for the future.
This isn’t just a job for me—it’s a calling. My services come at no cost to you, and I’m here to support you every step of the way, with integrity, transparency, and heart.
Let’s find the right plan together. I’d be honored to be your trusted Medicare resource.
📞 Contact me today to explore your Medicare options, and be sure to mention you found me on Medicare Agents Hub!
Q&A with Joy Spencer
I'm confused about preventive services under Medicare. Which screenings are actually free?
Answer: Annual Wellness Visit
• Not a full physical exam, but a personalized prevention plan
• Includes health risk assessment and review of your medical history
Welcome to Medicare Visit
• One-time visit within the first 12 months of having Part B
• Includes vision screening, blood pressure check, and more
Screenings (at $0 copay with qualified provider):
• Mammograms (annually for women 40+)
• Colorectal cancer screenings (colonoscopy, fecal occult test, etc.)
• Cervical and vaginal cancer screening (Pap test and pelvic exam every 24 months)
• Prostate cancer screening (PSA test once a year for men 50+)
• Lung cancer screening (for those at high risk, annually)
• Diabetes screening (if you’re at risk)
• Hepatitis B & C screenings
• HIV screening
• Depression screening
• Alcohol misuse screening
• Obesity screening and counseling
Vaccines
• Flu shot (annually)
• Pneumococcal vaccine (1–2 doses depending on health history)
• Hepatitis B vaccine (if you’re at medium or high risk)
• COVID-19 vaccine
• Under Part D or Advantage plans with drug coverage:
• Shingles vaccine (Shingrix)
• Tdap (tetanus, diphtheria, pertussis)
Other Preventive Services
• Bone mass measurements (osteoporosis)
• Cardiovascular disease screening (blood tests every 5 years)
• Glaucoma test (once per year if at high risk)
• Nutrition therapy (for diabetes or kidney disease)
I'm caring for my dad who has Alzheimer's with lots of medications and I keep getting bills I don't understand. Any tips for not drowning in paperwork?
Answer: Get a Medicare Agent You Trust
Someone like me (or another licensed agent) can:
• Review your dad’s plan for gaps in coverage
• Compare options that better suit his medical needs
• Help simplify bills and prevent future surprises
What do you like most about being a Medicare agent?
Answer: What I love most about being a Medicare agent is making a real difference in people’s lives at a critical time. When someone turns 65 or faces a health challenge, the system can feel overwhelming—and frankly, impersonal. I get to step in, simplify the process, and be a trusted guide. That means a lot to me
With the supplements being so expensive in climbing in price every year, what is your take on hospital indemnity policies added with advantage policies?
Answer: Hospital indemnity plans pay you directly—a flat cash benefit—when you’re admitted to the hospital. That money can be used however you need: to cover copays, travel for family, lost income, even groceries .