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.

Quick question for anyone on a Medicare Advantage plan. Do you know what your service area is? If the answer is "I'm not...
06/04/2026

Quick question for anyone on a Medicare Advantage plan.

Do you know what your service area is?

If the answer is "I'm not sure" or "what does that mean," you are in very good company. This is one of the most common things people don't know about their plan until it actually affects them.

Here's what it means in plain English.

Medicare Advantage plans are offered by private insurance companies. And unlike Original Medicare, which works pretty much anywhere in the country, Advantage plans operate within a specific geographic area. Your county. Maybe a few surrounding counties. Sometimes a whole region.

Inside that area? Your plan works the way you expect it to.

Outside that area? It gets complicated fast. Depending on your specific plan, you might pay significantly more to see a doctor. Or you might only be covered for true emergencies. Some plans have very limited coverage the moment you step outside their boundaries.

And here's the thing. Most people find this out when they're already somewhere new and already need care. That is not a fun moment.

The good news is there's one question you can ask your plan right now that will tell you everything you need to know.

Call the member services number on the back of your card and ask this exactly:

"If I need non-emergency care outside my service area, am I covered and what will it cost me?"

That's it. One question. Five minutes. And you'll know exactly where you stand before summer gets going.

Not sure what plan you even have or where to find that number? 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.

June is here and I am ready for it! 😎 If you're like most people I talk to, your summer is already starting to take shap...
06/01/2026

June is here and I am ready for it! 😎

If you're like most people I talk to, your summer is already starting to take shape. A trip here, a family gathering there, maybe a few weekends you're actually looking forward to.

And somewhere in the middle of all that planning... your Medicare coverage probably didn't make the list.

Totally normal. Honestly, most of the time everything is fine!

But here's what I've seen happen more times than I can count.

Someone heads into summer feeling great about their coverage. Then something comes up. A doctor visit. A prescription refill. An unexpected trip to urgent care. And they find out their plan changed in ways they didn't know about. Their doctor quietly left their network. A medication they've taken for years now costs three times what it used to.

Not because they did anything wrong. Just because nobody told them.

I've been serving Chattanooga and the surrounding area for 3 years and this is genuinely the most common thing I help people with. Not complicated Medicare questions. Just the small stuff that slips through the cracks when life gets busy.

So, this month I'm walking you through everything worth knowing before summer gets going. No jargon. No scary what-ifs. Just clear, honest information so you can enjoy the next few months without anything catching you off guard.

So let me start with the most important question!

When is the last time you actually looked at your Medicare plan?

Within the last month or longer than that?

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.

We've spent almost the entire month busting myths and talking coverage details. Today I want to get a little personal. P...
05/29/2026

We've spent almost the entire month busting myths and talking coverage details.

Today I want to get a little personal.

People ask me sometimes why I do this. And the honest answer is that it's never really been about selling insurance to me.

It's about the moment someone goes from being confused and overwhelmed to clear and confident. I feel I really made a difference when that moment happens in my office, on a phone call, at a community event, in a local restaurant here in Chattanooga, and sometimes just in a random conversation with someone that I meet.

And it never gets old.

I got into this work because I needed flexible work hours to help care for my mom and my granddaughter. A former colleague urged me to use my nursing background, my years of experience in health insurance and Medicare in particular to become a health insurance agent. It was a great decision.

The Medicare system is genuinely complicated. It doesn't have to feel that way for the people trying to navigate it. That's the gap I try to fill every single day.

I've learned that most people don't need someone to sell them something. They need someone who will sit down with them, listen to their situation, and help them understand their options without any pressure.

That's what I try to be for every single person I work with.

If you've been following along this month and you've found any of this helpful, I'd love to hear from you. A comment, a share, or even just a reaction on this post means more than you know.

And if you know someone here in Tennessee or Georgia who could use a straight-talking Medicare resource in their corner, I hope you'll send them my way.

I'm not going anywhere. 😊

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.

Do you have Medicare related questions that you need answers for?As part of a marketing event sponsored by HealthSpring,...
05/29/2026

Do you have Medicare related questions that you need answers for?

As part of a marketing event sponsored by HealthSpring, I will be at the Walgreens located at 4039 Dayton Blvd in Red Bank on June 2 from 11:00-1:00pm. I can answer questions, review benefit information or discuss your specific coverage needs with you.

If there is someone you know that has questions, please pass this information along to them.

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 one has a more nuanced answer than most of the myths we've covered this month.So, let's break it down. Original Med...
05/28/2026

This one has a more nuanced answer than most of the myths we've covered this month.
So, let's break it down.

Original Medicare does not cover gym memberships or general fitness programs.

However, Medicare does cover intensive behavioral therapy for obesity. If your doctor determines it's medically necessary, you may be able to get counseling and support for weight loss covered under Part B.

And here's where it gets interesting.

Many Medicare Advantage plans do include fitness benefits. You may have heard of SilverSneakers or similar programs. These are fitness benefits that come bundled with certain Advantage plans and give you access to gyms and fitness classes at little or no cost.

Whether your plan includes something like that depends entirely on which plan you have and where you live.

I was chatting with a neighbor recently who had just retired and was really motivated to prioritize her health. She had a whole list of goals. Morning walks along the Riverwalk, classes at the YMCA, maybe even joining one of those local recreational sports leagues or yoga studios that seem to be popping up everywhere.

She was excited to find out her new Advantage plan actually includes a fitness benefit that can help cover some of the costs associated with her goals.

Helping someone protect their health AND their wallet at the same time is genuinely one of the best parts of this job.

Not sure if your plan includes any fitness or wellness benefits? Is that benefit worth giving up your doctor?

DM me the word FITNESS and let's take a look at what you have and what might be available to you in Tennessee or Georgia.

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 wish this one were true. It would make life a lot simpler. But Medicare plans can and do change. Every single year. Ev...
05/27/2026

I wish this one were true. It would make life a lot simpler.

But Medicare plans can and do change. Every single year.

Every fall, during the Annual Enrollment Period from October 15 through December 7, insurance companies can make changes to their Medicare Advantage and Part D plans for the next year. Premiums can go up. Covered drugs can change. Which doctors or hospitals are participating can shift. Benefits can be added or removed.

That means a plan that was perfect for you last year might not be the best fit this year.

And here's the part that gets people. Most people don't review their plan during Annual Enrollment. They just let it roll over automatically. Which means they could be paying more than they need to or missing out on better coverage without ever knowing it.



Every fall here in Chattanooga and the surrounding area I make it my mission to reach out to every single client and review their plan. Because you deserve someone in your corner who actually pays attention to this stuff year after year.

Annual Enrollment is coming up faster than you think. Now is a great time to get a relationship started so you're not scrambling when it opens.

Tag someone in Tennessee or Georgia who has been on the same Medicare plan for years and might be due for a review.

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.

Okay this one might seem small. But for a lot of people, especially those with diabetes or circulation issues, foot care...
05/23/2026

Okay this one might seem small. But for a lot of people, especially those with diabetes or circulation issues, foot care is anything but small.

So, let's clear it up.

Original Medicare does not cover routine foot care.
Nail trimming. Callus removal. Routine visits to a podiatrist just to keep things in check. Not covered.

Now here's where it gets a little more nuanced.
Medicare DOES cover foot care when it's medically necessary. If you have diabetes and need foot care related to your condition, that's a different story. If you have nerve damage or poor circulation that requires professional foot care, Medicare may cover it. But routine? No.

I recently was talking with a client here in Chattanooga who mentioned they had been putting off seeing a podiatrist because they were waiting until their Medicare kicked in to cover it. They had been dealing with a pretty uncomfortable issue for months.

We had a quick conversation about Medicare benefits, and I was able to point them in the right direction.

Little moments like that are honestly why I love doing this work in Chattanooga and the surrounding area. Sometimes the right information at the right time makes a real difference in someone's day.

This is one of the many coverages gaps I break down in my free Medicare Coverage Myth-Buster Guide.

DM me the word MYTHS and I'll send it straight to you. It's free and it's genuinely useful.

Okay this one might seem small. But for a lot of people, especially those with diabetes or circulation issues, foot care is anything but small.

So let's clear it up.

Original Medicare does not cover routine foot care.
Nail trimming. Callus removal. Routine visits to a podiatrist just to keep things in check. Not covered.

Now here's where it gets a little more nuanced.
Medicare DOES cover foot care when it's medically necessary. If you have diabetes and need foot care related to your condition, that's a different story. If you have nerve damage or poor circulation that requires professional foot care, Medicare may cover it. But routine? No.

I was walking through [local neighborhood/area] here in [City] and ran into a client who mentioned they had been putting off seeing a podiatrist because they were waiting until their Medicare kicked in to cover it. They had been dealing with a pretty uncomfortable issue for months.

We had a quick conversation right there on the sidewalk and I was able to point them in the right direction.

[Little moments like that are honestly why I love doing this work in [City]. Sometimes the right information at the right time makes a real difference in someone's day.]

This is one of the many coverage gaps I break down in my free Medicare Coverage Myth-Buster Guide.

DM me the word MYTHS and I'll send it straight to you. It's free and it's genuinely useful.

This one comes up a lot this time of year as people start making summer travel plans. And it's a big one to get wrong. O...
05/21/2026

This one comes up a lot this time of year as people start making summer travel plans.

And it's a big one to get wrong.

Original Medicare does not cover medical care outside of the United States. With very limited exceptions, if you get sick or injured abroad, you are on your own.

Those exceptions are pretty narrow. We're talking situations like if you're on a ship within U.S. territorial waters or if a foreign hospital is closer to you than a U.S. one in a genuine emergency near the border. Not exactly the coverage you're picturing for your trip to the British Virgin Islands or to Europe.

I was chatting with someone here in Chattanooga at who was getting ready for a big international trip they had been planning for years. First retirement adventure. They had no idea their Medicare wouldn't travel with them.

We got them sorted out before they left. But it was a close call.

Here's what to look for instead. Some Medicare Supplement plans do include foreign travel emergency coverage. Some Medicare Advantage plans include it too, though it varies. And travel insurance is always worth considering for international trips.

One of my favorite things about this work is having conversations like that one before someone gets on a plane, not after something goes wrong.

Got a trip coming up this summer? Let's make sure you're actually covered.

DM me the word TRAVEL and let's take a look at your options before you go!

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 might be the myth that costs people the most money. Because if you believe all Medicare plans are the same, you mig...
05/18/2026

This might be the myth that costs people the most money.

Because if you believe all Medicare plans are the same, you might just pick one randomly. Or go with whatever your neighbor has. Or choose based on a TV commercial you saw at 2am.

And that can be a really expensive mistake.

Here's the reality.

Even within the same type of plan, the details can vary dramatically. Premiums. Deductibles. Drug formularies. Networks. Out of pocket maximums. Which doctors are covered. Which medications are covered and at what cost.

Two people living right here in Chattanooga on the same street could have very different needs and the plan that's perfect for one of them could be completely wrong for the other.

I had a client in North Georgia who came to me after choosing a plan on their own. They picked it because it had a low premium. What they didn't realize was that their specific medications weren't covered at a preferred tier on that plan. They were paying hundreds more per month in drug costs than they needed to.

We fixed it. But it took until the next enrollment period to make the switch.

This is genuinely one of my favorite parts of the job. Sitting down with someone and actually digging into the details. It feels like solving a puzzle and the prize is saving someone real money.

Don't just pick a plan. Pick the right plan.

Tag a friend or family member in Tennessee or Georgia who is coming up on Medicare and might need to hear this.

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.

We are halfway through Myth Busting May and I have to say, the response has been amazing. I've heard from some of you he...
05/15/2026

We are halfway through Myth Busting May and I have to say, the response has been amazing.

I've heard from some of you here in Chattanooga and beyond who had no idea about some of these gaps. And that's exactly why I do this.

So I want to hear from you today.

Which myth we've covered so far surprised you the most?

Was it finding out Medicare isn't free? That dental, vision, and hearing aren't covered? That missing your enrollment window means a permanent penalty? That prescription drugs aren't automatically included?

Drop the number in the comments that surprised you most.

1️⃣ Medicare isn't free
2️⃣ No dental, vision, or hearing
3️⃣ Late enrollment penalties
4️⃣ No automatic drug coverage

[I'll be honest, when I first started learning about all of this in number 3 was the one that got me too.

There are still 16 more days of myths to bust. And some of the ones coming up are real eye-openers.

Make sure you're following me, so you don't miss a single 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.

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