Medicare Part B

Part B covers these types of services

  • Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
  • ​Preventive Services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.

For more information about what Medicare Part B covers please visit

Medicare Part A

Part A covers these services

  • Hospital Care
  • Skilled Nursing Facility Care
  • Hospice Care
  • Home Health Services

For more information about what Medicare Part A covers please visit




Is here to help, I am paid by the insurance carriers, so my service costs you nothing.  Here's how it works; I come to you, get to know "your" situation, research your options for Medicare supplements and Medicare Advantage Plans available in East Tennessee then come back with recommendations.  You are not obligated to do business with me.  If you think I am worth doing business with, then we work together.  

Also as a special service to my clients I do an annual review of the drug plans and Medicare Advantage plans.  If something changes or a plan changes we can make a change too!

This is where most people have a hard time figuring out what to do. Some make the mistake and ask a friend or get on the same plan as a spouse without taking the following into consideration:

  • What are my healthcare needs?
  • What prescriptions am I taking?
  • ​Do I want to keep my doctors?
  • Do I expect to travel?
  • What is my overall health?

Taking these questions into consideration while in the ONLY "First Time" Open Enrollment period you have is MOST important!  This can be the difference of THOUSANDS of dollars out of YOUR pocket annually!

what plan

is the right one? 

Navigating through the maze of Medicare can be frustrating and a cumbersome experience.  There are really 2 main options people have that are eligible for Medicare.  Of these options, based on the individual's current situation will help determine the best route to take.​  

The 2 basic options for supplementing your Medicare coverage are traditional Medicare Supplement plans sometimes called "Medigap" policies or  Medicare Advantage plans, both will keep the cost of original Medicare down of cost sharing by maximum out of pocket or paying most of the Medicare eligible costs. Medicare supplement plans pay most or all of the costs left behind by Medicare. Medicare Advantage plans are network cost sharing plans with maximum out of pocket.  Both have a place, and depending on your situation would warrant the direction you would want to go.

​Find out more about Medicare Supplements CLICK HERE

​Find out more about Medicare Advantage PlansCLICK HERE


options to consider

Medicare Options, What's Covered, and Which One?

Supplement & advantage

Medicare basics, and which route to take is the right one for you.  This page covers options, what is the basics for Medicare Part A and B and what the questions you should ask yourself before we meet to get a better idea for your needs.