Vernon Jones, Medicare Insurance Broker
Vernon Jones
Acut Above Life and Health
Medicare Broker Licensed in NC and SC
9+ Years of Experience
Contact Details
-
Location
Charlotte, NC
-
Phone
-
Website
About Me
Hey there, my name is Vernon, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Vernon Jones
Can I enroll in Medicare if I've never paid into Social Security due to working overseas?
Answer: I am not sure if you can enroll into Medicare for i know people in your case can receive spousal benefits. However i would professional suggest that you contact SSA office, for they should be able to answer that question.
How do I compare Part D plans to minimize costs for a mix of generic and specialty drugs?
Answer: You can visit Medicare.gov and Drug plans then Click Find a Plan now, then Your zip code, , then your County, . Select Medicare drug plan apart D, then Click I don't get help from any of these programs. Continue, yes you want to see drug cost when you compare plans. Click Yes, next Add prescription drug name.Example Lisinopril select the Dosage. Add to Drug List as you continue to add more meds. Then Dine Adding Drugs.Select your pharmacies including Mail order, up to 5 choices. Then Clock Continue to View Plans then Compare prices from each pharmacies. CLICK View drugs and their cost. Then compare drugs prices from each pharmacy. 😀
Are there plans that allow me to continue to travel anywhere and be covered?
Answer: Yes, if you have true Medicare Supplement plan which is a Medigap there is no network and you can any doctor in the country as long as they accept Medicare.
What's the difference in copays vs deductibles?
Answer: A copays is that you be are to pay your doctors or providers at a doctor visit and also for your medication at a pharmacy based on your medical plan. And a deductible is what you as the insured is to pay prior to your plan paying their part of the cost.
Are there disadvantages to working with a Medicare broker/agent?
Answer: In most cases is not a disadvantage in working with a broker/agent, but broker should be knowledgeable of the information shared with Medicare beneficiaries and their no cost in the broker assisting you. The broker is paid a small commission from the insurance carrier once the broker enrolls that person into a different plan then they before the Agent of record.
I exercise regularly and maintain a healthy lifestyle. Does Medicare offer any incentives or additional benefits for preventive health behaviors?
Answer: Yes, there are Medicare Advantage plans that offer additional incentive and rewards the member once they complete a variety of preventative health behaviors ranging from the member getting their annual flu shots, mammograms, pneumonia shots and occasionally often using their free gym membership which is apart of their plan.
What is one of the the most common misconceptions people have about Medicare?
Answer: I would say one of the most common misconceptions people have about Medicare is they won’t have to pay any more money to have Part B and there is a cost to have a broker to assist them with their medical plan options.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: Yes, you should sign up in most cases for Medicare when you turn 65 even though you are still working and have creditable coverage and a drug plan on your job, but you would not need to sign up for Part B but instead get Part A only for in most cases it won’t cost you anything for it as long as you have worked 10 years or 40 quarters. Then you wouldn’t be penalized
Can you explain Special Needs Plans in Medicare?
Answer: SEP is when you have a qualifying event like coverage from a group plan and/or you retiring and you are no longer covered on your job so that allows you to enroll in a medical plan out of the normal enrollment period of AEP which is Annual Election Period which is October 15 - December 7
Can Medicare pay for my groceries?
Answer: Only if your plan offer that as part of it Summary of Benefit package. But often those that have both Medicare and Medicaid and they has to be eligible for that plan or a Chronic condition grocery maybe apart of the OTC benefits for that plan, but it varies from plan to plan and carrier to carrier for 2025. This Medicare Advantage from carriers does change from year to year.