Stuart Graham, Medicare Insurance Broker
Stuart Graham
Graham Life Services
Medicare Broker Licensed in GA, AL, LA, MS, SC and TN
12+ Years of Experience
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Athens, GA
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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.
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My Google Reviews
300 Total Reviews (5.0 )
November 7, 2026
Had a private time with Stuart helping me to decide which advantage plan fit best for my issues. He was very professional and easy to work with only took about 30. Minits. Great knowledge was given
November 6, 2026
I have been dreading the Medicare maze since I turned 60. I used Stuart Graham’s services and I can not believe how simple it was. He made it so simple and understandable that I was shocked how easy it was. I highly recommend his services. Thanks Stuart!!!!
November 5, 2026
My experience with Graham was so wonderful. I felt so relief after speaking with my agent. I will recommend Graham to family and friends.
November 5, 2026
Stuart and his team are amazing. Fast and friendly service, my parent's have the best plan and coverage thanks to their wonderful help. We have been using their service since 2019 can't complain at all.
November 5, 2026
Stuart is always very prepared and knowledgeable. The office staff is very efficient and courteous.
Q&A with Stuart Graham
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.
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!
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 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!
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 gets old, and I'm thankful I get to do it every day!