Independent Medicare Guidance • No Cost To You
Medicare Made Simple.
Helping You Choose The Best Medicare Plan Possible
For more than 30 years, John “The Insurance Guy” has helped seniors throughout Chattanooga and the surrounding communities understand their Medicare options and choose coverage that fits their healthcare needs and budget.
Not one company. Your options.
John represents many of the nation’s leading insurance companies, allowing him to compare plans based on your needs—not the needs of one insurance company.
30+
Your Content Goes Here
40+
Years In Chattanooga
$0
Cost For His Help
1:1
Personal Medicare Review
Meet John “The Insurance Guy”
John has called Chattanooga home for more than 40 years and has spent over three decades helping individuals and families navigate Medicare and health insurance.
He believes every client deserves personal attention, honest advice, and enough time to understand their options before making a decision.
Independent Broker: John compares plans from multiple insurance companies.
Personal Service: Appointments are never rushed. Every question is welcome.
No Cost To You: There is never a fee for John’s services.
Local Experience: Serving Chattanooga and surrounding communities for decades.
Ongoing Support: Questions after enrollment? John is only a phone call away.
Medicare Services
Coverage choices
explained clearly.
John helps compare doctors, medications, hospitals, budget, lifestyle, and future healthcare
needs before recommending options.
Medicare Supplements
Help reduce out-of-pocket medical expenses while keeping the freedom to see providers who accept Medicare nationwide.
Medicare Advantage
Comprehensive Medicare plans that often include prescription drugs, dental, vision, hearing, and fitness benefits.
Prescription Drug Plans
Find a Part D plan that covers your medications while helping reduce prescription costs.
Dental, Vision & Hearing
Affordable plans designed to protect the services Original Medicare does not typically cover.
There is no single “best” Medicare plan.
There is only the plan that is best for you. That is why John checks the details before you enroll.
Your Doctors
Doctors, specialists, and preferred hospitals are reviewed.
Your Medications
Your prescription list is compared against available drug coverage.
Your Budget
Premiums, copays, deductibles, and out-of-pocket exposure are considered.
How It Works
A simple review process.
Appointments can be held in your home, at John’s office, Starbucks, Panera, or another convenient meeting location.
Call to schedule your free appointment.
Bring your Medicare card, medication list, doctor list, and ZIP code.
John compares available plans.
You receive straightforward recommendations.
Enroll only if you are comfortable.
Powerful Medicare FAQ
These are the questions seniors and families need answered before they make a Medicare decision.
No pressure. No obligation. John’s Medicare review is provided at no cost to you.
The Big Decision
That depends on your situation. Medicare Supplements can provide more predictable cost-sharing with Original Medicare, while Medicare Advantage plans may have networks and annual out-of-pocket limits. John helps you look beyond today’s premium and think about future doctor access, hospital access, prescriptions, and possible medical costs.
Medicare Advantage may appeal to seniors who want lower monthly premiums, prescription drug coverage included, and extra benefits such as dental, vision, hearing, transportation, fitness, or over-the-counter allowances. The tradeoff is that plan networks, referrals, copays, and rules can matter more.
Many seniors choose a Medicare Supplement because they want the freedom to see providers who accept Medicare nationwide, more predictable out-of-pocket costs, and fewer surprises if their health changes. It may be especially appealing for frequent travelers or people who want fewer network restrictions.
A Medicare Supplement may be better if you want broader provider freedom, more predictable medical costs, and fewer network concerns. Medicare Advantage may be better if you want lower monthly premiums, bundled extras like dental or vision, and are comfortable using a plan network. John helps compare both based on your doctors, medications, budget, travel, and comfort level.
Doctors, Drugs & Costs
No. A low premium can be attractive, but you also need to consider copays, deductibles, drug costs, doctor access, hospital access, travel, and how often you use healthcare. John helps compare the whole picture, not just the monthly premium.
It is the most you would generally pay for covered medical services in a plan year under a Medicare Advantage plan, not including items like premiums or many prescription drug costs. It is one of the most important numbers to understand because it shows your potential exposure if you need more care.
Prescription drug coverage can vary widely from plan to plan. The same medication may cost very little on one plan and much more on another. John reviews your medication list so Part D or Medicare Advantage drug coverage can be compared properly.
That is one of the first things John checks. Your doctors, specialists, hospitals, pharmacies, and medications should be reviewed before enrolling in a plan. A plan that looks good on paper may not be right if it does not fit your actual healthcare life.
Medicaid & Extra Help
Possibly. Some programs may help with Part B premiums, prescription drug costs, or other Medicare-related expenses for those who qualify. John can review your situation and explain what may be available.
Extra Help is assistance for qualifying Medicare beneficiaries that can reduce prescription drug costs. If you qualify, it may lower premiums, deductibles, and copays related to drug coverage.
Yes. Many people qualify for both Medicare and Medicaid. When someone has both, Medicaid may help with certain Medicare costs depending on eligibility. John can help explain the options and point you in the right direction.
Working With John
Appointments can be held in your home, at John’s office, Starbucks, Panera, or another convenient location where you feel comfortable.
Bring your Medicare card if you have one, a list of medications, a list of doctors and specialists, your preferred pharmacy, and your ZIP code. These details help John compare plans accurately.
Nothing. John’s Medicare review and plan comparison are provided at no cost to his clients. He is compensated by insurance companies if you enroll in a plan.
Ready to review your Medicare options?
Call today for your FREE Medicare Review. There is no obligation and no cost.