Kerwyn Jones, Medicare Insurance Broker
Kerwyn Jones
Jones Insurance Solutions
Medicare Broker Licensed in FL, AL, AZ, CA, CT, DC, GA, KS, LA, MD, MI, MO, MS, NC, ND, NM, NY, OH, OR, PA, SC, TX, VA and WA
6+ Years of Experience
Contact Details
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Serving
Fern Park, FL
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Phone
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Website
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Schedule An Appointment
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Pre-Appointment Form
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Kerwyn 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
Hello
My name is Kerwyn and I am thrilled to be your trusted Medicare Advisor. Medicare and all of its ever-changing rules and plan options is not something you should be tackling alone without someone providing some guidance, providing answers and helping you avoid costly mistakes, some of which cannot be undone. Speaking to me is free, it only requires some of your time to review and evaluate your unique situation, so together we can make an informed decision to ensure you are selecting the correct option(s) for you and your family.
I am committed to walking you through the process from assisting you with activating your Medicare Benefits(Part A & B) to helping you find the best plan(s) that fits your specific needs and budget.
I have been helping Medicare Beneficiaries for well over 5 years with their Medicare Plans, and related products to include: Life Insurance, Dental, Vision, Annuities(Retirement Planning) etc.
I look forward to working with you, answering your questions and providing some solutions for you. Schedule an appointment on my calendar or call me immediately.
Directions to My Office
My Google Reviews
2 Total Reviews (5.0 )
May 16, 2026
Kerwyn took a very helpful and patient approach from the very beginning. He focused on educating us first and making sure we truly understood our life insurance options. He took the time to answer our questions, explain things clearly, and walk us through what would realistically make sense for our family’s goals and budget. We never felt pressured, just supported and informed throughout the process. Kerwyn’s professionalism, knowledge, and genuine care really stood out. It’s rare to find someone who combines expertise with such a calm and trustworthy approach. We’re grateful for the guidance.
May 16, 2026
We had such a great experience working with Jones Insurance Solutions while helping my relative navigate their Medicare options. Kerwyn was incredibly professional, patient, and took the time to explain everything in a way that was easy to understand without ever making us feel pressured or rushed. What stood out the most was how genuine and non-salesy the entire experience felt. Kerwyn truly focused on what made the most sense for my relative’s needs instead of trying to push a plan. He answered every question with care, made the process feel less overwhelming, and gave us confidence that we were making an informed decision. If you’re looking for someone knowledgeable, trustworthy, and compassionate to help with Medicare planning, I highly recommend!
Q&A with Kerwyn Jones
Answer: Yes! If there a SEP(Special Election Period) which would allow for a qualifying event. CMS has a list of these events
Answer: I think there is a possibility MA will eventually become more prominent than Medicare Supplements. However, the challenges with Advantage plans may ultimately cause the resurgence or desire for Supplements even more, given there flexibility and problem-free usage and ease of use.
Answer: Don't worry aboiut things you have no control over. When those changes occur, adjustments will always be made accordingly.
Answer: Yes, your Med Supp along with Original Medicare will cover your Hospice care. Medicare Adv plan will also cover, but ongoing approvals will be needed.
Answer: If you have a Medicare Advantage Plan, it more likely because of a myriad of reasons. providers find it easier to work with Original Medicare.
Answer: That is exactly why you should have been approved. There is certainly more information needed. A plan ending creates an SEP for enrollment in to a Med Supp or Med Adv.
Answer: Yes! Medicare Advantage Plans are designed and based on locations and zipcodes. They are contractually good for 1 year only
Answer: Its a federal program designed to assist with lowering the costs for drugs for Medicare Beneficiaries. Certain requirements must be met relating to income and assets
Answer:
1. Long-Term Care
2. Routine dental, vision & hearing
3. Prescription Drugs
4. Foreign Travel
5. Excess Charges
Answer:
All the applicable screening and preventive tests offered by Medicare shouls be taken. For example:
1. Diabetes screening
2. Bone Density Screening
3. Annual Physical
4. Mammogram
5. Colonoscopy
Answer: Appeal their decision. Begin researching perhaps switching plans to a PPO or looking at a Medigap Plan. These type os plans are more flexible
Answer: That may very happen in an attempt to make it easier for seniors to help themselves and understanding the process. No guarantees, but possible especially with the advancement of AI
Answer: Cataract are covered under Part B. Frames and lens, as is the case with certain dental procedures are not covered. Medicare Advantage plans offer some dental and vision benefits to assist in those areas
Answer: In early October when they are available for review and planning for the following year. Or even, later November when one can review the current's year out of pocket costs and plan usage. It gives a better idea for planning
Answer: Yes! You will need enroll into a plan based upon your current address. Updating your Medicare plan provider with new address is required
Answer:
If still working at 65, a senior do not have to enroll into Medicare. It depends on several factors. For example,
1. Is there coverage very affordable and even cheaper than Medicare Part B
2. When compared to Medicare coverage, it maybe better, particularly for certain medications.
3. Are family members on their Employers coverage. By going onto Medicare, those family members will have to seek Alternative coverage
Answer: Perhaps.. call Medicare directly to ask about that situation. An exception may be made based on your unique situation
Answer: Compare your current Prescription Drug Plan to others on the market. Is an SEP(Special Election Period) exist for you, then consider changing to better plan. You can also call the Manufacturer of your pricier drugs and ask for any assistance program they have available to reduce the cost of the drugs
Answer: Typically, it is mailed to you by your Insurance company in September every year which plan updates for the following year
Answer: Obtain a Hospital Indemnity plan to compliment your Medicare Advantage Plan and know ahead of time what your Lab costs are by reviewing your Summary of Benefits or Evidence of Coverage
Answer: Medicare does not cover dental and vision. Medicare Advantage plans provide dental benefits, often limited to preventive coverage. Getting a Stand Alone Dental and Vision comprehensive plan is good idea.
Answer: Notify Social Security and request it. You may have to wait for the GEP(General Enrollment Period) Jan through March
Answer: Yes! You can. However, I wouldn't recommend doing that. You are required to have creditable prescriptions drug coverage. Not having it will result in a penalty when you eventually sign up. Further more, paying for drugs out of pocket could be very costly. Not a good idea.
Answer:
1. LIS//Extra Help. A federal program for Low Income Medicare recipients.
2. Your State Medicaid program. Its called different names in different states.
Answer: Yes! If you have a Medicare Advantage Plan, a change of plan is required. Plans offer different benefits based on zip codes.
Answer: Tell him everyone's situation is unique and until a full discovery and review is completed on the Medicare Beneficiary, it's not wose to recommend what's best for them.
Answer: Its doesn't. Same time line apply if first time going onto Medicare. If already on Medicare, then you have 60days to switch plans
Answer: Yes! You should because your agent would or should if they aren't Captive have the ability to compare your ANOC to other plans and select the best for you forbthe upcoming year...
Answer: Anyone on SSDI(Social Security Disability Income) for 24 consecutive months will automatically be given Medicare A&B
Answer:
It depends on a variety of factors, ranging from:
1. Budget
2. History of care/health
3. Frequency of travel outside of plan service area.
4. Current providers and Drug List
5. Tolerance for Networks
6. Tolerance for Prior Authorization
Answer: Call the insurance company after you hwve made ask for an explanation of the bill, based on date of service
Answer: 20% of the Ambulance bill. Original Medicare will cover 80%. The remaining 20% is patient's responsibility
Answer: Verify permission to contact was granted. Ask for permission card or date and time permission was given
Answer: I think the Medicare(federal) snd Medicaid(states) should do more to help, yes. Early diagnosis
Answer:
Original A&B cover 80% of your medical cost. You need a Supplement to cover the other 20% and a Stand Alone Drug Plan.
Medicare Advantage includes Part A, B & D.
There is so much more.
Answer: The paperwork has to be completed by a Licensed Broker/Agent. Typically, at a minimum it has to be signed at least 48hrs prior to enrollment.
Answer: There are income ranges which determine what you will pay as a single person or a married couple. Whats your income
Answer: Go the the Med Adv plan website and select Doctor lookup and search them one at a time to verify if they are in network.
Answer: That's a subjective question and my opinion may not be accurate. Medicare has its purpose and many Americans depend on it for care.
Answer: No! You need 40 quarters, equivalent to 10 years working to qualify for Medicare. If not, you can purchase quarters. More discussion needed on that.
Answer:
1. Restrictions on providers
2. Only contractually good for 1 year
3. Referral needed for HMOs
4. Larger Max of Pocket costs
Answer: Medicare provides several preventative and screening procedures to quickly identify the onset of diseases before they become major problems.
Answer: Not checking the formulary to ensure all their prescriptions are covered. Also, simply forgetting to enroll within the time frame allowed for it
Answer: Yes! There a way of getting that done. A conversation with a competent Medicare Advisor will solve that problem
Answer: Dramatically! You are now without coverage and need a new plan. A discovery needs to be completed and then an enrollment.
Answer: No! They are educational in nature. It's your choice to follow-up and set an appointment for further assistance
Answer: You're missing alot. Don't do that without first consulting with a Medicare Advisor(Me). Cheapest isnt always the best option.
Answer: Yes, because signing up for Part B initiates your Medicare Part B premium. It's $185 monthly for 2025. It changes every year.
Answer:
PPO provides more options for provider networks, less restrictions.
You can go out of network to get another opinion from another provider without a referral.
Answer:
It's cist you nothing to work with me.
It also help you you avoid somw costly mistakes typically made by Medicare Beneficiaries.