Stuart Graham, Medicare Insurance Broker
Stuart Graham
Graham Life Services
Medicare Broker Licensed in GA, AL, LA, MS, SC and TN
Contact Details
-
Location
Athens, GA
-
Phone
-
Website
-
LinkedIn
-
Facebook
-
YouTube
About Me
At Graham Life Services, we believe in helping people live life—and live it more abundantly. I'm Stuart Graham and I have a team of licensed Medicare advisors passionate about empowering seniors with clear, compassionate, and pressure-free guidance.
With years of experience serving the Medicare community, our team specialize in helping clients understand their options and choose the plan that best fits their needs—whether that’s a Medicare Supplement, Advantage, or Prescription Drug Plan. Our clients know us for our patient, personal approach, and they appreciate the peace of mind that comes from working with people who truly puts their needs first.
We don’t push plans—we provide answers. Every recommendation we make is based on value, long-term support, and doing what’s right for the individual. Whether you're newly eligible, exploring a Special Enrollment Period, or just need help navigating annual changes, we're here to help—like family.
My Google Reviews
186 Total Reviews (5.0)
June 24, 2025
I am new to Medicare and had many questions. Stuart was recommended by my neighbors. He answered all my questions and some I didn’t even know I had. He helped me with choosing a Medicare plan that worked for me. I was impressed with his attention to detail and how he addressed all of my concerns. I will definitely recommend Stuart Graham to others.
May 15, 2025
Stuart was highly recommended to me by a friend whose father and uncle are insured through Graham Life Services. I had already spoken with two other brokers whom were not on the same level as Stuart. He is professional, knowledgeable, and presented options for me but didn't tell me which option to take. He's a genuine person and beyond helpful. His receptionist, Alicia, it's also very professional, amiable, and eager to help. I will be recommending Graham Life Services to my family and friends from now on
April 30, 2025
Stuart is thorough with his explanation of Medicare and the benefits that go along with Original Medicare and Medicare Advantage. I appreciate the time he took to make sure I understood all. Thank you Stuart.
April 25, 2025
Alan and his team have been helping my wife and I for the past five years in guiding us through the ever-changing world of Medicare plans. He was especially helpful this year as my Cigna plan would no longer be accepted by Piedmont healthcare providers. Wanting to keep my specialists and with only a short time to change, Alan's team went to work, reviewing my doctors and meds and came up with the perfect solution. I have recommended many of my friends to Alan stressing that they do not need to worry about understanding the complexities of Medicare terminologies; Advantage plan v. Supplement plan, Medicare Part A, Part B, the Donut, etc. Alan's team has your back. They'll explain it all in a way you can understand.
April 10, 2025
They made all steps of process in getting best insurance possible for a disabled adult that had moved states. Always helpful and made choices easy. I will recommend Graham Life Services to everyone!
Q&A with Stuart Graham
What do you like most about being a Medicare agent?
Answer: There is nothing better than watching the stress leave someone's face after an appointment! They may start out stressed and overwhelmed but when they leave they're confident and excited. It never get's old and I'm thankful I get to do it every day!
What does Medicare Part B cover? Is it enough?
Answer: Medicare Part B is for medically needed "outpatient" services. Example: primary care physicians and specialist visits.
However, things have begun to shift in healthcare, particularly after COVID, and more and more major surgeries are being done outpatient now. Full hip replacements, knee replacements, and other surgeries are more frequently than ever being done as outpatient surgeries. Doing these surgeries outpatient helps prevent secondary infections while the patient is at the hospital.
The Part B coinsurance for the beneficiary, set at 20%, used to not be terribly high with standard doctor visits, but now the beneficiary might have to pay 20% of a major surgery! And with Original Medicare Part B only, there is no cost protection, so it's 20% of unlimited…
Now more than ever, it's very important to have a Medicare Supplement or Medicare Advantage Plan to help mitigate these costs!
I have heard of some people's providers dropping their Medicare Advantage plans. Should I be worried about this?
Answer: Yes, this has become more of an issue lately because of inflation and the impact of the IRA on insurance companies and providers. However, it is still a relatively small issue in the grand scope of Medicare Advantage. Many plans maintain great networks and network outages are many times short lived.
What are disadvantages of HMO?
Answer: This question is hard to answer because it is very dependent on the HMO we are talking about. The obvious disadvantage would be that no out-of-network care is covered by the plan. But we have seen recently that providers refuse to take a PPO out-of-network, meaning the member didn't fare any better with the PPO.
Some HMO plans that have large networks are more stable and have better benefits than PPOs. Again, this is dependent on the plan and the area of the country.
Another potential disadvantage could be having to get referrals to see specialists; however, many HMO plans have removed that requirement, and you can see any in-network physician without a referral. Those plans function very similarly to a PPO.
I hope this helps, but I hope you can see it's not a black-and-white answer!
When is a good time to start preparing for AEP?
Answer: It should be on your radar when you receive your Annual Notice of Changes in the mail in late September.
However, companies don't release all their plan details until October 1st—even to agents! This means that the first week of October, companies are getting all of the links and Summary of Benefits live, and the agents are devouring them to figure out all the details.
Doing some preliminary research in the first week of October is okay, but you'll likely get the best info after the 7th of October and afterward.