Mandy Scarborough, Medicare Insurance Broker
Mandy Scarborough
Chapman Insurance Group
Medicare Broker Licensed in TN, CA and IN
Contact Details
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Location
Lenoir City, TN
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Phone
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Website
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About Me
Hi, I am Mandy Scarborough, an independent Medicare and Health Insurance Broker with Chapman Insurance Group, dedicated to helping individuals and families make confident, informed decisions about their health coverage.
Specializing in Medicare, I guide clients through every step of the process—from understanding Medicare Parts A, B, C, and D to comparing plan options and enrolling in coverage that fits their healthcare needs and budget. I also assist individuals and families with health insurance solutions outside of Medicare.
I believe insurance shouldn't be confusing or overwhelming. I take the time to educate my clients, answer questions clearly, and provide ongoing support long after enrollment. My #1 goal is to build lasting relationships based on trust, honesty, and exceptional service.
Whether you're turning 65, retiring, reviewing your current coverage, or exploring health insurance options, I am committed to making the process simple and stress-free so you can feel confident in your coverage!
Directions to My Office
Q&A with Mandy Scarborough
Answer: Not necessarily. If you choose a Medigap plan, you will also need to sign up on Part D which is your prescription drug coverage and each plan has it's own formulary. It is best to choose a plan that covers the medications you are on. If you choose a Medicare Advantage Plan, again it is important to check prescription coverage on each carrier plan before deciding which plan is best for you.
Answer: Yes! If your income and resources are limited, you may qualify for programs that help lower your Medicare costs.
Answer: Generally speaking, Medicare does not pay for a family member to provide ongoing caregiving. There may be other avenues available if the person qualifies though.
Answer: No. In most cases, you cannot use Health Savings Account (HSA) funds tax-free to pay Medigap (Medicare Supplement) premiums.
Answer: Medicare Part A and B is Original Medicare which is your red, white and blue card. If you do not have this or cannot find it, you can request that Medicare send you a replacement. Your Mutual of Omaha is the Medigap Plan that you are on as a supplement to Original Medicare, which will be a different card.
Answer: Yes, some Medicare Advantage plans or Medicare Savings Programs do have a Part B premium reduction. This can vary widely by plan, county, and individual circumstances. These plans reduce the amount of your Part B premium that is deducted from your Social Security check monthly.
Answer: Insurance agents are required to follow privacy laws and protect your personal information. Only necessary information such as your ZIP code, age, preferred doctors, prescriptions, and Medicare eligibility date are needed to compare plans. Financial information should only be shared if you are choosing to enroll in a plan and that insurer requires the information. Don't hesitate to ask why a piece of information is needed, how it will be used, and who will have access to it.
Answer: Medicare Advantage plans don't have hidden costs, they have shared costs. You often pay less each month in premiums, but you may pay more as you use healthcare, as in paying the copays. The key is understanding those costs before you enroll. The costs are outlined in the Evidence of Coverage and Summary of Benefits, which an agent would go over in detail when meeting with you.
Answer: Yes, however, the flexibility of choosing one depends on if you have a Medigap Plan or Medicare Advantage Plan. With a Medigap plan, you are able to choose any network, any doctor as long as they accept Original Medicare. With a Medicare Advantage Plan, you would need to find a doctor that is in network with your plan.
Answer: Working with a trusted Medicare Agent has many benefits, such as, they are able to simplify Medicare for you, compare multiple plans, find the right fit for you, and avoid costly mistakes all at no cost to the individual. Medicare Agents are always an ongoing support for you and it is beneficial to have someone in your corner to help, not just a customer service center to call.
Answer: My go-to strategy for helping someone decide between a Medigap and Medicare Advantage plan is to do a needs analysis with them to discuss their healthcare needs, budget, provider choices, and extra benefits they may need/want. I do not sway individuals one way or another, I simply give the information regarding both options and let them decide what is best for their situation. I am here to be a resource for information and questions they may have while walking through the process.