Donna Sigmon Insurance Specialist

04/17/2026

11/26/2025

: Choosing the Right Plan
Original Medicare vs. Medicare Advantage—what’s right for you? 🤔
Original Medicare offers freedom to choose doctors, while Advantage plans can include extra benefits like dental, vision, or hearing.
💡 Tip: Review your healthcare needs and budget each year, even if your plan hasn’t changed.
📞 Call Donna Sigmon at 615-869-7283 or email [email protected] for a personalized review.
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11/26/2025

Part D – Prescription Coverage
If you take prescription medications, you need Part D. 💊
It helps cover the cost of your prescriptions, so you don’t pay full price out-of-pocket.
Tip: Even if you don’t take medications now, enrolling when first eligible can help you avoid late enrollment penalties.
📞 Call Donna Sigmon at 615-869-7283 or email [email protected] for guidance.

11/22/2025

How a Local Medicare Advisor in Middle Tennessee Can Help
A local advisor can:
• Check if your doctors and hospitals are in a plan’s network
• Compare plan ratings, costs, and extra benefits
• Explain trade-offs between Medicare Advantage, Part D, and Medigap
• Help you enroll correctly and on time
Instead of spending hours on websites, you can sit down with someone who speaks your language and knows your area.
? Call Donna Sigmon at 615-869-7283 or email [email protected] for a free consultation today!

11/21/2025

Why Open Enrollment Matters So Much in Middle Tennessee:

Middle Tennessee residents have dozens of Medicare Advantage and Part D options, with large insurers like Aetna, Humana, Cigna, and BlueCross BlueShield active in the state.
That’s good news—but it also means:
• Networks can differ (your doctor may be in one plan, but not another)
• Drug lists change each year
• Premiums, copays, and maximum out-of-pocket costs can go up or down
Without a yearly review, you could end up paying more than necessary or losing access to your preferred doctors or medications. Call Donna Sigmon at 615-869-7283 or email [email protected] for a free consultation today!
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11/21/2025

What You Can Change During Open Enrollment?
Switching to a Medicare Advantage Plan
During Open Enrollment, you can:
• Move from Original Medicare to a Medicare Advantage plan
• Switch from one Medicare Advantage plan to another
• Drop Medicare Advantage and go back to Original Medicare Medicare
Many Medicare Advantage plans in Tennessee may include benefits like:
• Prescription drug coverage (Part D)
• Dental, vision, and hearing services
• Fitness programs and over-the-counter allowances
Reviewing Your Part D Drug Coverage
You can also:
• Enroll in a Part D plan if you don’t have one
• Switch to a different Part D plan
• Drop Part D if it no longer fits your needs Medicare
Because prescription costs and formularies change, reviewing your drug coverage each year can save money.

11/21/2025

What Is Medicare Open Enrollment?
Medicare Open Enrollment (sometimes called the Annual Enrollment Period) happens every fall. During this time, people with Medicare can:
• Join, drop, or switch a Medicare Advantage (Part C) plan
• Join, drop, or switch a Part D prescription drug plan
• Move between Original Medicare and Medicare Advantage Medicare
Any changes you make during this time generally take effect January 1 of the following year.

11/10/2025

A Medicare Advantage Plan takes all those benefits we just mentioned and wraps them into one convenient package.

Private insurance companies offer Medicare Advantage (Part C) plans, so each plan can vary greatly. However, every MA plan must offer the same coverage found in Parts A and B. Aside from that, they can add in additional benefits like dental care, vision and hearing services, gym memberships, transportation services, and more. They can also include prescription drug coverage.

Part C plans offer benefits directly from a private insurance company, but you still have to pay the premium for Medicare Part B. Then, you'll pay an additional premium for your Part C plan, but they are often very affordable.

Medicare Advantage Plans are not offered everywhere and vary by geographic location.

11/10/2025

Understanding Medicare ‘Gap’ Issues

Original Medicare (Part A and Part B) covers many healthcare services but leaves significant "gaps" — out-of-pocket costs that beneficiaries must pay themselves. These gaps include deductibles, coinsurance, and copayments. For example, Medicare only covers 80% of approved services, meaning you're responsible for the remaining 20%, with no annual limit on spending.

This can lead to high costs, especially for hospital stays, doctor visits, or long-term treatments. That's where Medicare Supplement Insurance, also known as Medigap, comes in. These private plans help cover those leftover expenses — filling the “gaps” in Medicare.

11/06/2025

DSNP Plans: The Hidden Gem for Dual-Eligible Individuals! If you qualify for both Medicare and Medicaid, these special needs plans offer rich benefits you can't get elsewhere. Plus, technically you can't even get a supplement plan if Medicaid pays your Part B premium. Learn more: 615-869-7283