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Need Medicare Help

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Personal Medicare assistance for disabled and retiring Americans NeedMedicareHelp.com is a sister company to Central Virginia Financial Services LLC.

These 2 companies are customer focused, and want to build relationships, not just customers. NeedMedicareHelp.com will take your personal situation,and find the best, most financially suitable program for you, and be your advocate within the government health system.

10/16/2026

A quick Medicare safety reminder from someone who cares about protecting your coverage:

If you receive an unexpected call about changing your Medicare plan or adding benefits, please be cautious. Avoid sharing your Medicare number, Social Security number, date of birth, banking information, or other personal details.

If a caller presents something that sounds appealing, write down the information and call me before agreeing to anything. I’m happy to review it honestly and help you understand whether it truly improves your coverage—or whether important details may be missing.

Your Medicare plan was chosen based on your doctors, prescriptions, hospitals, pharmacy, budget, and healthcare needs. It deserves careful consideration, not a rushed phone conversation with someone who doesn’t know you.

If you are concerned you may have agreed to a change, contact me as soon as possible. I’m here to help protect your coverage and your peace of mind.

— Jonathan
Central Virginia Financial Services
Lynchburg, VA
Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

10/15/2026

From October 15th through December 7th, Medicare beneficiaries can review their coverage and make changes for 2027 during the Medicare Annual Enrollment Period (AEP). During this time, Medicare beneficiaries can:

✅ Switch from Original Medicare to a Medicare Advantage plan, or vice versa.
✅ Change from one Medicare Advantage plan to another.
✅ Add, change, or drop Medicare Part D prescription drug coverage.

This is also a good time to assess whether your current plan still meets your needs. Costs, covered medications, provider networks, pharmacies, and plan benefits can change from year to year, so even if you were happy with your coverage last year, it's worth taking a fresh look.

If you have any questions about your current plan, please don't hesitate to reach out to our team. We are here to be a resource for you.

Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

10/01/2026

October is Breast Cancer Awareness Month, making it the perfect time to review a few key facts and statistics about early screening. Breast cancer remains one of the most common cancers in the U.S., and early detection through routine screenings can make a meaningful difference.

Swipe for a few important facts and statistics to keep in mind.

As a reminder, many health insurance plans cover preventive screenings at little or no cost, making it easier to take an active role in your health. And, if you're not sure whether your plan covers preventive breast cancer screenings, our team is happy to help. Please do not hesitate to reach out with any questions.

Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

09/30/2026

Marketplace Open Enrollment begins November 1st, and whether you're looking to keep your current health plan, switch to something better, or find coverage for the first time, a little preparation now can make the process a whole lot smoother.

Swipe through for the key dates to know and a few steps to help you feel more prepared.

Navigating health insurance options can feel overwhelming, and we are here to help make sure you go into this enrollment period feeling informed and confident. So, if you'd like help reviewing your options or have questions about what plan might be the right fit, please don't hesitate to reach out to our team.

Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

09/24/2026

Life insurance beneficiary designations play an important role in making sure assets are passed along according to your wishes. While many people set these up once, it’s worth revisiting them from time to time. Swipe through to learn more.

If you’d like to review your current policies or talk through your beneficiary designations, feel free to reach out anytime. We are always happy to help.

Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

09/22/2026

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausing to ask one simple question: has your life changed this year?

A new car, a home purchase, a career change — these are the kinds of milestones worth celebrating. They are also the kinds of changes that can quietly create gaps in your insurance coverage if your policies have not kept up.

Here are some of the most common life events that can affect your coverage:

✅ You bought a new home or renovated your home. A new home purchase or extensive renovations require coverage that reflects the property's true replacement cost, not just its market value.

✅ You purchased a new car. Purchasing a new car is a change that always merits a check-in about your insurance coverage, especially if you purchased a car worth more than the vehicle you were previously driving.

✅ Your family or household situation changed. Marriage, divorce, welcoming a new child, adding a teen driver, sending a child off to college, or welcoming an adult child back home are all changes that can affect your auto and homeowners coverage.

✅ You’ve acquired new valuables or heirlooms. If you’ve recently obtained or inherited new jewelry, art, or other collectibles, it may be worth reviewing whether these items would be fully covered under your current homeowners policy.

✅ Your income, assets, or career changed. A promotion, a new job, a side business, or an inheritance can all increase your financial exposure in ways your current coverage may not reflect.

If any of these sound familiar, our team would love to take a few minutes to review your policies together and ensure everything still aligns with where you are now. It's a simple conversation that can make a real difference.

Feel free to reach out anytime. We are here to help ensure your coverage keeps up with your needs.

Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

09/17/2026

Life has a way of moving quickly, and certain changes, whether expected or not, can affect your health insurance coverage in ways that aren't always obvious at the moment.

Some life events trigger a Special Enrollment Period, a 60-day window before or after the event during which you can enroll in or update your coverage outside the standard Open Enrollment Period. If any of the following have happened in your household over the past year, it may be worth a conversation:

🔵Getting married, divorced, or welcoming a new child into your family
🔵Moving to a new ZIP code, county, or state
🔵Turning 26 and coming off a parent's plan, or losing job-based coverage
🔵Changes in your income or household size
🔵Turning 65 and becoming eligible for Medicare, or becoming a U.S. citizen

If anything on that list sounds familiar, we'd love to connect to see how we can help you during a Special Enrollment Period. Give our team a call, and we can get started.

Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

09/15/2026

Medicare Annual Enrollment begins October 15th, which means now is the time to watch for an important document from your current Medicare Advantage or Part D plan: your Annual Notice of Change (ANOC)

Typically mailed in September, and no later than September 30th, your ANOC outlines any updates that may take effect on January 1st. Even if you’ve been happy with your current coverage, reviewing these changes carefully can help you avoid unexpected costs or coverage gaps in the year ahead.

Your ANOC may include updates to:

✅ Monthly premiums and other out-of-pocket expenses.
✅ Prescription drug coverage and formularies.
✅ Doctor, hospital, and pharmacy networks.
✅ Copays, deductibles, and additional plan benefits.

Small plan changes can make a significant difference in your health care costs and provider access. Taking time to review your ANOC now can help you make more informed decisions during Medicare Annual Enrollment.

If you would like help understanding your plan changes or comparing your Medicare options before enrollment begins, contact us anytime. We are here to help you review your coverage and find a plan that fits your needs for 2027.

Jonathan Mullins is an independent insurance agent. He is not employed by, endorsed by, or acting on behalf of any single insurance company, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Insurance products and services are offered through appropriately licensed insurance carriers. Availability and eligibility vary by state, carrier, and individual circumstances. For Medicare beneficiaries, no benefits are sold or endorsed by the U.S. government. Medicare has neither reviewed nor endorsed this information.

Address

3831 Old Forest Road Terrace Level Entrance 3, Suite 6/Office 19
Lynchburg, VA
24501

Telephone

+14342298887

Website

http://www.NeedMedicareHelp.com/

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