J. Garner Insurance Services/Your Insurance Spot

03/27/2026

Need life insurance? Call me for a quote! I have plans that won't cost you an arm and a leg.

Jean Garner
J. Garner Insurance Services
Your Insurance Spot
(713) 894-6599
[email protected]

03/26/2026

You Don't have to jump through hoops to get the insurance you need. Just call Jean.
*Term Insurance
*Disability Insurance
*Critical Illness
*Home Health Care
*Medicare Supplement
*Long Term Care
J. Garner Insurance Services/Your Insurance Spot.
713-894-6599
[email protected]

03/24/2026

What is your Insurance I.Q? Let me complete your protection one piece at a time?

03/23/2026

Life Insurance. Keeping Promises. Are you keeping your promise?

02/14/2026

Have you insured your love? Nothing says "I Love You," like Life Insurance.

02/05/2026

“Short-Term Care: Because Forgetting Is Kind of the Point.”

01/29/2026

SHORT TERM HOME HEALTH CARE.
* Up to $300/day for $360 days of home health care
* No Exam or Blood required
* Only 3 health questions
* Benefits paid directly to you regardless of any other insurance
* $600 Annual Prescription Benefit even if you have other RX
benefits included at no additional cost without having to receive
home health care benefits in addition to any other RX plans you
have including Medicare Part D and prescriptions through the VA.
($10 paid for generic and $25 for name brand drugs; including
($10 paid for generic and $25 for name brand drugs including
compounding drugs)
* Application taken over the phone

01/28/2026

If you are on Medicare, do you know IRMAA?

It’s a surcharge added to your Medicare premiums if your income is above certain levels.

IRMAA = Income-Related Monthly Adjustment Amount

It affects:

Medicare Part B (medical insurance)

Medicare Part D (prescription drug plans)

So instead of paying just the standard premium, higher-income beneficiaries pay extra on top of it.

How IRMAA works

Medicare looks at your income from two years ago (from your IRS tax return) and decides if a surcharge applies.

For example:

Your 2026 Medicare premiums are based on your 2024 income.

If you have a life changing event, you can appeal your IRMAA payments by completing form SSA-44 located on the Social Security Administration site at https://www.ssa.gov/forms/

01/26/2026