Tommy Overton, Medicare Insurance Broker
Tommy Overton
Overton Insurance Solutions
Medicare Broker Licensed in AR, AL, IN, LA, MI, MO, MS, OK, TN and TX
20+ Years of Experience
Contact Details
-
Serving
Heber Springs, AR
-
Phone
-
Website
-
Schedule An Appointment
-
LinkedIn
-
Facebook
About Me
Tommy Overton is a licensed Medicare agent who helps clients understand their options, avoid surprises, and feel confident in their coverage. Tommy takes a personal, educational approach to Medicare—helping you compare plans based on your prescriptions, doctors, and budget, not sales pressure.
Walk-ins Welcome!
Directions to My Office
My Google Reviews
111 Total Reviews (5.0 )
November 3, 2026
Tommy was fantastic. Great experience.
October 28, 2026
We met with Chris and he was very knowledgeable about the plans that would fit our needs. We will continue to use Overton agency for our health insurance needs.
October 28, 2026
My husband and I met with Chris Andrews to discuss part D plans. Chris is so helpful and very pleasant to work with! He and Tommy are very professional and friendly people who really care and want the best for all.
October 22, 2026
October 22, 2026
thank you for taking the time to get all 3 of the right plan
Q&A with Tommy Overton
What do I need to do if I didn't take Medicare at 65 and am now retiring?
Answer: Get with a trusted agent to explain your options, both Medicare Supplements and Medicare Advantage plans to determine the correct path for you. You'll need to get your employer's HR person to complete a CMS-LMS564 form to show you've had health insurance since age 65 to avoid any potential penalties. You'll need to enroll into Medicare A and/or B at Social Security if you have not already done so.
Can you change Medicare Supplement plans at any time?
Answer: Different states have different rules on changing Medicare Supplement plans. All states allow you to change at any time if you are healthy and can pass underwriting questions, prescription checks, and the carrier's underwriting process. Some states have birthday rules that allow a short period of time around your birthday to change without underwriting, but this is not in all states. Check with an experienced agent.
Why do some clients ignore your advice and end up in bad Medicare plans? What makes them resistant?
Answer: A loved one or trusted friend says Plan X works great for them, you should enroll. I tell everyone, unless you are seeing the exact same doctors with the exact same health conditions & taking the exact same medications, then their advice is meant well, but their plan that works for them could be completely wrong for you.
I'm turning 65 next month and the amount of Medicare mail I'm getting is overwhelming. How do I sort through all this?
Answer: My best advice is to sit down with a local agent. A lot of the mail is promising all kinds of benefits that you may or may not be able to get based on your situation. A lot of the mail is junk or simply from one company, which limits your options. Find a local agent with an office that can sit down with you and show you all of your options.
Does Medicare Advantage cover home health care?
Answer: In short, yes, as long as a medical doctor prescribes it and it's medically necessary. Make sure to check networks to make sure the home health care provider is in-network, and check your cost share, usually a per-visit copay, if any.
What is the best MAPD plan in South Carolina?
Answer: There is not a "best" plan other than the plan that is right for you. This is a common mistake I see with Medicare Advantage plans, and that is asking loved ones and others which plan is "best". Plans that are right for one person may be wrong for another person; it depends on which plan covers your doctors and medications properly and fits within your budget. Each plan can vary greatly on your out-of-pocket costs based on your situation.
Which is better: a Medicare Advantage Plan or a Medigap policy?
Answer: The answer to which is "better" is based on your scenario, your health, doctors and prescriptions, and budget. Medigap policies like a Plan G or Plan N are more comprehensive than Medicare Advantage plans in most locations. You'll pay a higher premium for a Medigap Plan G or Plan N compared to Medicare Advantage Plans. Medigap plans do not have any networks to deal with. Medicare Advantage plans work better when you stay in-network. Medigap Plan G will be your most comprehensive plan available today for most new people becoming eligible for Medicare today.
How does Medigap Plan K compare to Plan G for someone on a tight budget?
Answer: You would be responsible for a whole lot more out-of-pocket on a Plan G compared to a Plan K, which has $8,000 maximum out-of-pocket compared to $283 with Plan G. In my area, Plan K is about $60 per month less than a Plan G. I'd recommend looking at a Plan N or maybe even Plan HDG if you are looking to save money, but want to stay on Original Medicare combined with a Supplement.
Are Medicare agents paid by specific insurers to sign up clients for only their plans?
Answer: Generally, agents are paid commissions by whichever plan you and the agent choose is the right fit for you. These commissions do not come out of your pocket. You could try to figure out Medicare and find the correct plan for you based on your research, or you can have an agent help guide you to choose a plan. Agents should never be charging fees on top of enrolling you into a plan.
How often should I review my plan to make sure my therapy is still covered?
Answer: Great question. It depends upon what type of plan. If you have Medicare Advantage, review it during any available enrollment period, including the Annual Enrollment Period from October 15 - December 7 as well as the Open Enrollment Period, which is January 1 - March 31. If you have a Medicare Supplement, then you can review it any time of the year and change to a lower-cost plan, if you qualify.