Laura Johnson Insurance

10/16/2026

I will be hosting a Medicare 101 educational event this evening from 5-7 at the Cora Veal Senior Center in Madisonville. I have twenty years of experience in the Medicare market, so bring your questions!

The event will be upstairs, and an elevator is available. Just follow the signs!

No reservation is needed, so please feel welcome to show up and bring a friend!



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We Work For YouWhether you are new to Medicare, retiring, or just wanting to explore your Medicare options, we can help. LJI offers a wide variety of Medicare products including Medicare supplements, Medicare Advantage Plans, and Part D prescription drug plans. We go the extra mile to help you navig...

10/13/2026

This year will be a tough year for many folks on Medicare. Cuts in prescription drug coverage will negatively affect more people than usual. If you don't know about the Extra Help with Part D program, you should.

The Extra Help program, also known as the Low Income Subsidy, is awarded and administered by Social Security (not TennCare). The guidelines are relatively generous, so this might be the year to check to see if you qualify.

https://secure.ssa.gov/i1020/Ee001View.action

As always, we're here to answer your questions.
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Social Security's online services are designed to be accessible and user-friendly. That is why we require all web browsers to have JavaScript enabled when working with our online services.

10/13/2026

10/13/2026

Two more days until the Medicare Annual Election Period opens! 😱

Here’s how to prepare:

1) Get your drug list together. Include dosage (mg/mcg), and frequency (2x/day, 4 pens a month, etc).

2) Make a list of providers and facilities you visit. Don’t forget to list your dentist and vision care providers.

3) Look over your current coverage. Know how much you’re paying for it, and take note of what you like/don’t like about it.

4) Get familiar with the Medicare.gov website, and create an account if you haven’t done so already.

We have a pre-appointment checklist on our website to help you prepare.

Call a trusted agent! Medicare expressly forbids agents from charging a fee for giving you advice. We’re here for you…for free! Don’t go it alone.

Check us out!

Ljohnsonmedicare.com

We Work For YouWhether you are new to Medicare, retiring, or just wanting to explore your Medicare options, we can help. LJI offers a wide variety of Medicare products including Medicare supplements, Medicare Advantage Plans, and Part D prescription drug plans. We go the extra mile to help you navig...

10/11/2026

I received a $90 direct deposit to my checking account from the US Treasury on October 8. Did you?

Here is why I got it, and maybe why you did not:

1) I am enrolled in Original Medicare Parts A & B, not Part C, Medicare Advantage.

2) I receive Social Security benefits via direct deposit. If you do not use direct deposit, you’ll get a paper check. It’s real! Don’t toss it.

3) I do not receive any sort of government assistance.

4) I do not pay an IRMAA surcharge for having a high income.

5) I live in the USA.

The money, distributed to about 20.8 million Medicare beneficiaries, came from the Medicare Improvement Fund created by Sec. 7002 of the Supplemental Appropriations Act of 2008.

Check us out:

We Work For YouWhether you are new to Medicare, retiring, or just wanting to explore your Medicare options, we can help. LJI offers a wide variety of Medicare products including Medicare supplements, Medicare Advantage Plans, and Part D prescription drug plans. We go the extra mile to help you navig...

10/07/2026

This client information sheet helps us make sure you are in the Medicare plan that best suits your needs. If you would have an appointment with any of our agents, please complete this form and bring it with you. You'll save time and have accurate information for us to use.

You can find this form on our website, too. Just click on "Make an Appointment" and click on the white box.

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https://static1.squarespace.com/static/613f8c323516f400c264a3e3/t/6ab3f0b9ca521c6cca36af20/1790177465611/Medicare+client+Information+sheet+%281%29.pdf

10/07/2026

What is an LEP? I'll tell you. Read on if you like the jingle of coins in your pocket.

LEP stands for Late Enrollment Penalty, and it is an avoidable cost if you know what to do.

The Part D LEP is the one we see clients wrestling with most often. Many people don't know if the prescription drug coverage they have at work is considered "creditable" or not. CREDITable coverage means that Medicare gives you CREDIT for having prescription drug coverage that is at least as good or better than coverage you could get through a Medicare Part D plan. If you have CREDITable coverage, you do not have to sign up for a Part D plan when you're enrolled in Medicare Part A upon turning 65 and you continue to work. (Many people think the word to use here is "credible," but alas, it is not. Now you know.)

The trouble comes when you have coverage that is NOT creditable when you become eligible for Medicare Part A and think your coverage at work is enough to avoid this penalty. Yea though thou art covered...ye might still have troubles.

Employers are required to send you a letter every year letting you know if your drug coverage through work is creditable or not. If you don't get this letter in September, ask your HR person about your coverage.

If it is not creditable, then it's smart to get a Part D plan when you first turn 65 and enroll in Part A because that's when the penalty clock starts ticking. That clock continues to tick until you sign up for Part D. The penalty is cumulative and permanent as long as you have Part D. Fortunately it's a small penalty, roughly 40 cents a month for each month of delay. Multiply that times five years or so, though, and you're talking some major coinage.

I know this is all so confusing, but knowledge is power.

Here to help!

Check us out.

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So take heed, ye wizened folk of Medicare age.