Lauryn Ivey, Medicare Insurance Broker
Lauryn Ivey
Medicare Broker Licensed in AL
Contact Details
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Serving
Cullman, AL
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Phone
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LinkedIn
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Facebook
About Me
Hello, I'm Lauryn, your local Medicare insurance advisor. If you have ANY Medicare questions, please do not hesitate to call me. I can explain how it works, what each part of those alphabet letters means (PARTS A, B C, and D), how those parts affect you, and what type of plan is best suited for you and your specific needs. ALL CONSULTATIONS ARE FREE! I can sit down with you FACE TO FACE to give you a CLEAR understanding about Medicare, so that you can make the absolute best choice for you.
My mission is to assist you in identifying the perfect plan tailored to your unique requirements and budget. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are always provided free of charge!
Contact me to discover all your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
My Google Reviews
39 Total Reviews (5.0)
May 18, 2025
Couldn't ask for a better person to handle my benefits. Scott is great! I went in confused & he cleared up everything for me. He took his time & made sure I understood everything. I wouldn't use anyone else.
May 9, 2025
I highly recommend Scott Ivey and his team to anyone entering the Medicare system! He presented all options with no bias, answered all my questions, and still replies to any texts for questions I still have. I am so glad I found this service!
December 18, 2024
I am very glad that I found Scott and Senior Benefits of North Alabama. My husband needed to go on Medicare due to his age and our pastor told us about Scott. He had been so helpful so we went to see him. We didn't even know where to start. Scott is kind, honest and knowledgeable. When I retired early he was able to help me with insurance. Then when I was old enough to go on Medicare I went back to see him. Again he was able to help.. I am very thankful he is always willing to help. He even calls us and keeps us up to date about any changes.
December 16, 2024
We were happy to find Scott at Senior Benefits to help us change health plans. Every question was answered patiently and honestly , and it also helped us save considerable money. We were impressed with his ability to help us assess all the changes that could affect our choices- and there are many. I’ll remember to check with him every year now.
December 12, 2024
I would like to thank Scott and his team for explaining medical benefits and helping me choose the right plan for me i highly recommend senior benefits of north Alabama. Thank you scott
Q&A with Lauryn Ivey
What do you like most about being a Medicare agent?
Answer: I enjoy helping people. If I had questions, I would want to find a trusted, reliable source to get those answers, and that's what I like about being an agent. I can be that source for others. I would encourage someone looking for a Medicare advisor to make sure that they are not pulling or pushing you. Preferrable contracted with every carrier in your area so that you can weigh all of the options available to you.
Won't Medicare run out of money before I can benefit from it?
Answer: Unfortunately, I don’t have an answer for this. One would want to assume that the government would find a way, pass new legislation, or something to ensure Americans did not lose this benefit. This comes down to elected officials and their agendas and therefore, I don’t think anyone has a definitive answer.
What's a common Medicare myth that even some agents still believe?
Answer: I believe a common myth is that Medicare Advantage plans are bad. There are pros and cons to everything. Having Medicare only, pros and cons, Supplements aka Medigaps there are also pros and cons. Some agents are only writing Supplements, so why would they want to tell anyone about another option. I believe in giving my customers the unbiased pros and cons about every option and then let them decide what fits their specific needs.
What is the trap of Medicare Advantage plans?
Answer: I don’t believe there is a trap. If your agent has done their job and explained how they work and also explained your other options then you can make a truly educated decision based on your specific needs.
What advice would you give to seniors who are feeling overwhelmed by all the Medicare options available?
Answer: Find an agent that will conduct a free Medicare 101 class. This should include what Medicare is, what it covers and what it does not cover. It should include what a Medicare Supplement is and how it works with Original Medicare, and also information about prescription drug plans. Lastly, it should also explain what a Medicare Advantage Plan is and how it works. There are also other additional plans on the market that should be explained, so that you have a full picture of what is available so that later you don’t find out you weren’t told and have missed something that could be very beneficial, such as a Hospital Indemnity Plan. But primarily Original Medicare, Supplements, drug plans, and Medicare Advantage Plans are a must to understand so that you can make the absolute best decision for you.
Are preventative screenings covered by Medicare?
Answer: Yes, under Original Medicare, Part B covers preventative screenings, shots, and exams. So no matter what option you decide when it comes to Medicare, currently in 2025, preventative screenings are covered.
Why is regular Medicare better than an advantage plan?
Answer: Original Medicare is not better than an Advantage Plan. Original Medicare does not include a drug plan, it doesn’t offer dental or vision coverage. Medicare Advantage Plans vary, but there are several that include your drug plan, and offer some vision and dental allowance, and most have the time have no additional premium. But you should let a licensed, certified agent assist you to ensure that you select a plan that is best suited for you and your needs to ensure that you have selected a Medicare Advantage Plan that has everything that you want and need. There are numerous plans on the market and each is designed and tailored for people with various needs, for instance Military Veterans have a specific type of plan designed for their needs. If you are not a Veteran, that would most likely not be a good fit for you.
I'm a smoker trying to quit. What smoking cessation benefits does Medicare offer for someone in my situation?
Answer: Medicare Part B would offer counseling sessions to assist with smoking cessation, and Part D would cover any prescription medications prescribed to help with stopping smoking; but you would need to verify that the Part D insurer coveres whatever is prescribed, as they are independent companies and their formularies vary from one company to the next.