Shaneathia Armstrong, Medicare Insurance Broker
Shaneathia Armstrong
Medicare Broker Licensed in TN, FL, KY, MI and NC
9+ Years of Experience
Contact Details
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Location
Memphis, TN
Shaneathia Can Help With:
About Me
Greetings! I'm Shaneathia, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Shaneathia Armstrong
If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?
Answer: Yes, you can qualify for Medicare if you’ve been on disability. In most cases, if you’ve been receiving Social Security Disability benefits for 24 months, you’re automatically enrolled in Medicare (Parts A and B). Some conditions, like ALS or end-stage kidney disease, may qualify you even sooner.
Does Medicare fully cover nursing home care, and are there alternatives?
Answer: Medicare does not fully cover long-term nursing home care. It will pay for short-term skilled nursing care (like rehab after a hospital stay), but only up to 100 days if you meet certain requirements. After that, you’re responsible for the costs.
For long-term care, most people rely on Medicaid, private long-term care insurance, or personal savings. Some families also look at alternatives like assisted living, in-home care, or adult day programs, depending on the level of support needed.
Isn't Medicare headed for a crisis with so many baby boomers aging into the system?
Answer: That’s a question a lot of people are asking. It’s true that as baby boomers age into Medicare, the program is facing financial pressure. The trust fund that helps pay for hospital coverage (Part A) is projected to run into funding issues in the coming years if nothing changes.
But it’s important to remember that Medicare isn’t going away. Congress has always stepped in to make adjustments when needed, whether that’s raising revenue, changing payment structures, or finding savings in other areas. The bigger challenge will be making sure the program keeps up with rising healthcare costs and the growing number of people relying on it.
So yes, Medicare faces challenges, but calling it a “crisis” may be too strong. It’s more about making sure lawmakers act in time to keep it sustainable for future generations.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can feel overwhelming, and that’s where an agent really makes a difference. I help you compare plans side by side, explain things in plain language, and make sure your doctors and prescriptions are covered without breaking your budget.
The best part? There’s no extra cost to you — and you’ll have someone to call year-round if questions or issues ever come up. I also review your coverage each year to be sure you’re still in the right plan as things change.
At the end of the day, working with an agent gives you peace of mind and saves you time and stress.
I've been diagnosed with bipolar disorder at age 66. How should I structure my Medicare coverage to ensure I get the mental health care I need?
Answer: At 66, the most important thing is making sure Medicare covers both your mental health visits and your prescriptions. Part A and B cover hospital and outpatient care, and you’ll need a Part D plan that includes your medications. If you want lower out-of-pocket costs, you can add a Medigap plan, or choose a Medicare Advantage plan that bundles it all together—just check that your doctors and therapists are in network.