Just Us Insurance Services

05/25/2026

Hey everyone! 👋 Here's a super helpful tip for paying your Medicare premiums the easy way.

Did you know you can pay your Medicare premiums through your bank's online bill pay? It's a simple and convenient option that can save you a ton of time. All you need to do is sign up for your bank's online bill pay service. You or your representative can set this up directly with your bank — Social Security and CMS are not involved in that process at all.

Before you contact your bank, make sure you have this info ready:

💰 The amount of your Medicare premium bill
🔢 Account number: Your Medicare claim number WITHOUT dashes (found on your red, white, and blue Medicare card)
📋 Biller name: CMS Medicare Insurance
📬 Biller's address: Medicare Premium Collection Center, P.O. Box 790355, St. Louis, MO 63179-0355

One more thing — some banks may charge a fee for online bill pay, but CMS does NOT charge anything for processing electronic payments. That's a win! 🎉

TURNING 65? NEW TO MEDICARE? CONFUSED ABOUT YOUR OPTIONS? WE CAN HELP! We've been helping hundreds of individuals navigate Medicare for over 20 years at no cost to you. Reach out to us today! 📞

Navigating Medicare in Yavapai County AZ? Justus Jay Gray at Just Us Insurance Services, Inc. is ready to guide you—connect today for expert, personalized coverage solutions!

05/10/2026

TURNING 65 AND THINKING ABOUT RETIRING SOON? 🎉

If you're over 65 and planning to retire in the next six months, getting your Medicare timing right is super important. You don't want gaps in coverage or unnecessary penalties sneaking up on you.

Here's the deal — if you've had employer coverage through your own job, you can delay Medicare past 65 without any penalty. But once your employment ends or that employer coverage stops, you've got an eight-month window to get enrolled. Missing that deadline means a 10% penalty for every full 12 months you delayed Part B enrollment, and that gets tacked onto your premium permanently. 😬

We always recommend contacting Social Security about three months before you retire so everything lines up smoothly for both Part A and Part B. Even if you're planning to use COBRA or retiree coverage, you should still enroll in Medicare Parts A and B to avoid future headaches. Part A is usually premium-free with 40 quarters of work history, and Part B runs $202.90 per month in 2026.

If your spouse is the one retiring and you've been on their employer plan, that same eight-month window applies to you too.

Still working past 65 with an employer of 20+ employees? You can keep just Part A while their coverage stays primary.

CONFUSED ABOUT YOUR MEDICARE OPTIONS? WE CAN HELP! We have been helping hundreds of individuals who are turning 65 or new to Medicare for over 20 years — at no cost to you. We'll go over all your options so you can make an informed decision. 💙

Navigating Medicare in Coconino County AZ? Justus Jay Gray at Just Us Insurance Services, Inc. is ready to help you find the right plan—contact Jay today!

04/25/2026

TURNING 65? NEW TO MEDICARE? CONFUSED ABOUT YOUR MEDICARE OPTIONS? WE CAN HELP! 🩺

So let's talk about Medicare Supplement Plan G — it might be a solid fit for you if any of this sounds familiar:

✅ You're on Original Medicare (Part A & Part B) and want solid coverage that handles most of your out-of-pocket costs.

✅ You want the freedom to see ANY Medicare provider across the entire U.S. — no network restrictions, no referrals needed.

✅ You travel outside the country or sometimes see providers who charge more than what Medicare typically allows.

So what exactly IS Plan G? It's one of eight standardized Medigap plans available to Original Medicare beneficiaries starting in 2020. It also comes in a high-deductible version. Plan G covers excess charges, foreign travel emergencies, and honestly offers the most comprehensive coverage out of all the standardized plans (aside from Plans C and F, which aren't available to newer beneficiaries anymore).

We have been helping hundreds of individuals who are turning 65 or new to Medicare for over 20 years. At no cost to you for our services, we take the time to find out exactly what your needs and objectives are, and we answer all your questions. We'll go over all your options so you can make an informed decision. When you're ready, we help with the application process — and once you're enrolled, we stay your agent and continue to take care of you. 💙

Navigate Medicare with confidence—connect with Justus 'Jay' Gray at Just Us Insurance Services, Inc. in Orange County, CA, and discover the coverage that fits your life perfectly.

04/22/2026

TURNING 65? NEW TO MEDICARE? CONFUSED ABOUT YOUR MEDICARE OPTIONS? WE CAN HELP! 🧠💙

Did you know that more than 1 in 5 adults over 60 deal with at least one mental or neurological condition? We're talking anxiety, depression, cognitive impairment, and other mood disorders. These are real challenges that affect so many seniors every single day.

Here's some really good news though — thanks to the Mental Health Access Improvement Act included in the 2023 US budget, marriage and family therapists along with mental health counselors can now receive Medicare Part B payments. That means more accessible and affordable mental health support through your outpatient coverage under Part B, which also covers your regular doctor visits.

When the right care is available and accessed, many of these mental health conditions can be effectively diagnosed and treated. Without treatment, mental health disorders can lead to lower quality of life, worse health outcomes, and higher medical costs down the road.

We have been helping hundreds of individuals who are turning 65 or new to Medicare for over 20 years. At no cost to you for our services, we take the time to go over all your options — including mental health coverage — so you can make an informed decision. When you're ready, we'll help with enrollment and continue to take care of you! 💪✨

Navigating Medicare can be overwhelming—let Justus 'Jay' Gray at Just Us Insurance Services, Inc. in Orange County, CA guide you to the right plan. Connect with Jay today!

04/10/2026

TURNING 65? NEW TO MEDICARE? CONFUSED ABOUT YOUR DENTAL COVERAGE OPTIONS? WE CAN HELP! 🦷

So here's something a lot of people don't realize — Medicare actually DOES cover certain dental services, but only when they're medically necessary and tied to specific medical conditions or treatments. Since January 1, 2023, Medicare has expanded this coverage even more, which is a pretty big deal.

Here's when Medicare will step in and cover dental services:

✅ Ridge reconstruction during surgical tumor removal
✅ Stabilization or immobilization of teeth connected to jaw fracture reduction
✅ Tooth extraction to prep for radiation treatment of neoplastic disease
✅ Dental splints used alongside medically necessary treatment of a medical condition
✅ Dental exams and treatment before cardiac valve replacement, valvuloplasty, or organ transplant procedures

The key thing to know — this coverage ONLY applies when the dental care is essential to the success of a covered medical procedure. The services also have to be performed by a Medicare-enrolled provider and meet all medical necessity requirements.

⚠️ Medicare does NOT cover routine dental care like cleanings, fillings, or dentures.

We have been helping hundreds of individuals who are turning 65 or new to Medicare for over 20 years. At no cost to you, we take the time to go over ALL your options so you can make an informed decision. Reach out to us today! 📞

Navigating Medicare options in San Diego County? Justus 'Jay' Gray at Just Us Insurance Services, Inc. is ready to guide you—connect today for expert, personalized coverage advice!

04/08/2026

🧠 BRAIN TRAINING IS BLOWING UP IN MEDICARE ADVANTAGE! 🧠

Did you know that brain training is now the fastest growing fitness benefit in Medicare Advantage plans? Since CMS started tracking different fitness benefit categories back in 2019, memory fitness programs have seen a massive 300% increase in plan offerings through 2023. That's wild compared to traditional gym memberships, which only grew by about 45% in that same time.

Right now, over 25% of Medicare Advantage plans with fitness benefits include brain training programs. Back in 2019 when they were first approved, that number was only 6%. That's a huge jump and it shows just how much people care about keeping their minds sharp.

Programs like BrainHQ offer structured mental exercises that help with memory, attention, and processing speed. A lot of plans bundle these with traditional fitness perks too, so you get a full wellness package covering both body AND brain. Pretty awesome stuff honestly.

TURNING 65? NEW TO MEDICARE? CONFUSED ABOUT YOUR OPTIONS? WE CAN HELP! 💪

We have been helping hundreds of individuals who are turning 65 or new to Medicare. At no cost to you, we take the time to go over ALL your options so you can make an informed decision. Once enrolled, we stay by your side as your agent. Reach out today! 📲

Navigating Medicare in Coconino County AZ? Justus Jay Gray at Just Us Insurance Services, Inc. is ready to help you find the right plan—contact Jay today!

04/04/2026