Everything you need to know about getting started with Medicare — explained by someone who actually cares.
Medicare is the federal health insurance program for people 65 and older (and some younger people with disabilities). It's been around since 1965, and today it covers over 65 million Americans.
But here's the thing nobody tells you: Medicare alone doesn't cover everything. There are gaps — and those gaps can cost you thousands of dollars if you're not prepared.
That's where Jimmy comes in.
Covers inpatient hospital stays, skilled nursing, hospice, and some home health care. Most people pay $0 premium (you paid into it through payroll taxes).
Covers doctor visits, outpatient care, preventive services, and medical equipment. Standard premium is deducted from Social Security.
Covers prescription drug costs. Available as a standalone plan or bundled with Medicare Advantage. Plans vary by formulary and pharmacy network.
An alternative to Original Medicare offered by private insurers. Bundles Part A, B, and usually D with additional benefits like dental and vision.
Your Initial Enrollment Period (IEP) is a 7-month window around your 65th birthday — 3 months before, your birth month, and 3 months after. Miss this window and you could face late enrollment penalties that last the rest of your life.
If you're still working and have employer coverage, different rules apply. Jimmy can walk you through the exact timeline for your situation.
This is the biggest decision you'll make, and it's where most people get confused — or get bad advice from someone who only sells one type.
Jimmy represents both. He's an independent agent, which means he'll compare Medicare Supplement plans from BCBS Arkansas, AARP/UnitedHealthcare, Humana, Aetna, Cigna, and Allstate alongside Medicare Advantage options. His recommendation is based on what fits your needs — not what pays him the most.