JMS Medicare Solutions

JMS Medicare Solutions Medicare Specialists. We take as much time as you need to understand your options.

Talk with a licensed insurance agent about Medicare Advantage, Prescription Drug, Medigap and Supplement benefit plans offered by different health insurance companies.

Here's a number that's going to catch a lot of people off guard this year.About 3 out of 4 people on a standalone Part D...
09/02/2026

Here's a number that's going to catch a lot of people off guard this year.

About 3 out of 4 people on a standalone Part D drug plan are expected to see their premium go up for 2027. Not because they added a medication. Not because they used their plan more. Just because of how pricing is shifting behind the scenes this year.

Most folks assume if their health didn't change, their bill shouldn't either. Makes sense. That's just not how it's playing out this time. 🤷🏻‍♀️

Here's the part that actually matters. You won't know how this affects your specific plan until your renewal notice shows up. So when it does, don't just glance at it and set it aside like it's junk mail. Open it. Read the actual numbers.

If something on it doesn't make sense, that's a completely normal thing to ask about. That's what I'm here for!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

There's a government program you've probably never heard of. It's been quietly protecting your drug plan premium for the...
09/02/2026

There's a government program you've probably never heard of. It's been quietly protecting your drug plan premium for the last two years. And it's about to disappear.

It's called the Part D Premium Stabilization Demonstration. I know, not exactly a catchy name. But here's what it's actually been doing. It's helped keep standalone Part D premiums lower and more predictable while some big changes rolled out across Medicare.

That program is ending after this year.

Here's what that means for you. ⤵

If you're on a standalone drug plan, your premium could move differently than it has the last couple of years, not because your health changed, but because the support behind the scenes is going away.

You don't need to panic about this today. You do need to actually read your renewal notice this year instead of assuming everything stays the same. It might.
But "might" isn't something I want you finding out about after the fact.

If you want to know exactly what to check before assuming anything about next year's coverage, comment QUESTIONS and I'll send you the list.

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

August went fast. It always does.It was bittersweet this year. My siblings and I, along with our families, have been pre...
09/01/2026

August went fast. It always does.

It was bittersweet this year. My siblings and I, along with our families, have been preparing my mom's home for selling it. Going through her belongings and remembering specific things about growing up and our times together made us appreciate how blessed we were to have her and my dad as long as we did.

But here is what I want you to know going into September.

This is the month that matters most if you are on Medicare. Not October. September. Because September is when you still have time to think, ask questions, and make decisions without a deadline making everything feel urgent.

The Annual Enrollment Period (AEP) opens October 15th. And the people who walk into it feeling calm and prepared are the ones who used September wisely.

That is exactly what I am going to help you do this month.

I am going to be showing up here all September with my hot tea or iced tea in hand along with everything thing I know about Medicare trying to make AEP feel less overwhelming and a whole lot more manageable.

September starts tomorrow. I am so glad you are here for it.

What was the best part of your August? Drop it below!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Fall means a lot of things. Football. Cooler mornings. Pumpkin everything.And if you are on Medicare, it means one more ...
08/28/2026

Fall means a lot of things. Football. Cooler mornings. Pumpkin everything.

And if you are on Medicare, it means one more thing. The Annual Enrollment Period opens October 15th and runs through December 7th.

Here is what that actually means in plain English.

AEP is the one time of year when most people on Medicare can review their current coverage and make changes if something is not working. New plan. Different drug coverage. A switch from Medicare Advantage to Original Medicare or vice versa. Whatever makes the most sense for where your life is right now.

You are not required to make changes. But you are required to miss the window if you do not pay attention.

Here is what I want you to do before October gets here:

📋 Pull out your current plan information and know what you have.

📋 Think about whether anything has changed this year. Health. Medications. Doctors. Budget.

📋 Reach out to me so we can have a real conversation before the deadline is breathing down your neck.

{Recognition anchor: Every year I start these conversations in August with hot or iced tea at my desk because the people who feel calm in October are the ones who started paying attention in August.

September is next. And I have a lot to share before the window opens!

Drop a question in the comments or send me a DM. Let's get you ready!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Here is the myth I run into more than almost any other. 😬People think asking for help with Medicare means they are going...
08/26/2026

Here is the myth I run into more than almost any other. 😬

People think asking for help with Medicare means they are going to get sold something.

So they Google instead. They ask their neighbor who heard something from someone who maybe knew an agent once. They piece together information from five different websites that all say something slightly different. And they make a decision that follows them for a long time hoping they got it right.

And the whole time there was someone they could have just called.

Here is what I want you to know about working with a Medicare agent.

It does not cost you anything. Medicare agents are compensated by the carriers, not by you. There is no bill at the end of the conversation.

It does not obligate you to anything. Asking questions is just asking questions. Nobody is going to pressure you into a decision you are not ready to make, especially when you are sitting in front of a Medicare professional

It does not have to wait until October. The best Medicare conversations happen before everything feels urgent. Like right now. In August. When there is actually time to think.

I got into this work because I wanted to be the person someone could just call. The one who picks up, explains it in plain English, and makes sure you walk away feeling better than when you called. That is still all this is.

You do not have to figure this out alone. That is literally what I am here for!

What is one Medicare question you have been sitting on? Drop it below or send me a DM. No pitch. Just answers!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

The name says it all really.Medigap. As in the gap that Medicare leaves behind.Original Medicare is incredibly valuable....
08/24/2026

The name says it all really.

Medigap. As in the gap that Medicare leaves behind.

Original Medicare is incredibly valuable. But it was never designed to cover everything. There is the 20% that you owe after Medicare pays its share. There are deductibles. There are costs that add up fast if something serious happens. And unlike most insurance, Original Medicare has no out of pocket maximum to protect you.

That gap is real. And supplemental coverage exists specifically to fill it.

Here is the simple version of how it works. ⬇

A Medigap plan, also called Medicare Supplement plan, is a separate policy that works alongside Original Medicare. It helps cover some or all of the costs that Medicare does not pay. Depending on the plan you choose, that can mean significantly less coming out of your pocket when you actually need care.

This is one of my favorite things to explain as I talk with folks about what their specific coverage needs are because once people understand it, everything about Medicare starts to make more sense.

If you have Original Medicare and you have ever gotten a bill that surprised you, this is the conversation worth having before the Annual Enrollment Period (AEP) gets here.

Send me a DM or drop a question in the comments. I love this one!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

There is something about this time of year that sneaks up on me every August.The school supplies show up in stores. The ...
08/21/2026

There is something about this time of year that sneaks up on me every August.

The school supplies show up in stores. The kids in the neighborhood are outside a little less. And I find myself feeling the anticipation of the start of the school year. I always loved the start of school for myself when I was young and even through college and graduate school. I enjoyed with my daughters as well when they were growing up. It was the opportunity for learning and experiencing new things.

It is funny how a season can make you feel nostalgic and grateful all at once.

If your house is a little quieter this time of year too, just know you are not alone. And if you are still in the thick of school pickups and backpack chaos, soak it up. Try and enjoy watching your kids deal with school assignments. Take the opportunity to talk through those with them. It is amazing what we can learn at any age.

What does back to school season feel like for you now? Drop it below!

Let me save you a Google.Every single day people search some version of "does Medicare cover dental" or "does Medicare p...
08/19/2026

Let me save you a Google.

Every single day people search some version of "does Medicare cover dental" or "does Medicare pay for glasses" or "what about hearing aids." So let me just answer it right here.

Original Medicare: mostly no.

Routine dental care, vision exams, glasses, and hearing aids are not covered under Original Medicare. It is one of the most surprising things people find out after they enroll.

But here is where it gets more interesting.

Some Medicare Advantage plans do include dental, vision, and hearing benefits. The coverage varies a lot from plan to plan and from area to area, which is why what your neighbor has may look completely different from what is available to you.

There are also standalone dental and vision plans worth looking at depending on your situation.

This is one of the first things I walk through with every new client as we talk about their specific coverage needs because finding out your teeth are not covered after the fact is not a fun conversation.

The good news is that options exist. You just have to know where to look and that is exactly what I help people figure out!

What's one thing about Medicare coverage that surprised you when you found out? Drop it below!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

I never thought I would be someone who is selling anything. But as a health insurance broker I don't think of it as sell...
08/17/2026

I never thought I would be someone who is selling anything. But as a health insurance broker I don't think of it as selling. My goal is to help people through the Medicare maze. If I sell anything that is great but helping people figure out the best Medicare options for them is my goal.

And I genuinely love the role I find myself in.

It is funny how life keeps surprising you if you let it.

What is a skill you picked up later in life that you never saw coming? Drop it below. I have a feeling this one is going to be a great thread!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

This is one of the questions I wished I got asked more often. And honestly, it's one of the most important ones.Medicare...
08/14/2026

This is one of the questions I wished I got asked more often. And honestly, it's one of the most important ones.

Medicare does cover mental health services and it is ok to need them. But the details matter and most people have no idea what their plan actually includes until they need it.

Here is what Medicare generally covers:

🧠 Outpatient therapy and counseling with a psychiatrist, psychologist, or licensed clinical social worker.

🧠 Inpatient mental health care if hospitalization is needed.

🧠 Psychiatric evaluation and medication management.

🧠 Screenings for depression, which are covered at no cost under preventive benefits.

A few things worth knowing:

👉 The 20% coinsurance applies to most outpatient mental health services under Original Medicare, the same as other outpatient care. If you have a supplement or an Advantage plan, your costs may look different.

👉 Not every provider accepts Medicare. If you are looking for a therapist or counselor, it is worth asking before your first appointment.

This is not a small thing. Mental health is health. And you deserve to know what you have access to before you need it.

If you have questions about how your specific plan handles mental health coverage, send me a completely confidential DM. That is exactly what I am here for!

Disclaimer: This is an advertisement. Not affiliated with any government agency, including Medicare. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

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Chattanooga, TN
37341, 37343, 37350, 37351, 37363, 37377, 37379, 37402, 37403, 37404, 37405, 374

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+14236192863

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