Medicare Doesn't Have to Be Confusing
Get straight answers from a local agent who'll help you understand your options—not push you into whatever pays the highest commission.
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Understanding Medicare
Medicare can be confusing. Let's break it down step by step.
Medicare at a Glance
Medicare is federal health insurance for people 65+ or with certain disabilities.
Eligibility
Most people qualify at age 65, or earlier with certain disabilities.
Enrollment
Initial enrollment starts 3 months before your 65th birthday month.
Cost Sharing
You pay Part B premium plus 20% of medical costs (no annual cap).
Have questions? I'm here to help you understand your options.
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Why Medigap Makes Sense Here
In rural areas like Mason County, Medicare Advantage networks are often limited. With a Medicare Supplement plan, you can see any doctor who accepts Medicare—in Point Pleasant, Charleston, Columbus, or anywhere you travel. No networks. No referrals needed.
Which Plan Is Right for You?
There are several Medicare Supplement plans. Here are the two most popular.
Plan G
Most comprehensive coverage
- Covers nearly everything after one small annual deductible
- No copays or cost-sharing after deductible
- Most popular choice for new enrollees
Best for: People who want maximum peace of mind and predictable costs, especially if you have ongoing health needs.
Plan N
Lower premium option
- Lower monthly premium than Plan G
- Small copays for some office & ER visits (up to $20/$50)
- Same doctor freedom as Plan G
Best for: Healthy seniors who don't go to the doctor often and want to save on monthly premiums.
Not sure which is right for you? That's exactly what I'm here for. I'll walk you through both options, compare the actual rates for your age and zip code, and help you decide what makes sense for your situation. No pressure, no sales pitch.
Hi, I'm Jay Parrack
Your Local Medicare Specialist
I'm not a call center. I'm not following a script. I'm your neighbor—born and raised right here in Mason County, and I still live here today.
Three generations of my family have helped local folks protect what matters. I've spent 13+ years in this business, and I specialize in helping people like you navigate Medicare.
I also serve as a local hospital foundation chair and elected official because I believe in this community. I understand healthcare from the inside—and I use that perspective to give you honest guidance.
My promise: I'll recommend what I'd recommend to my own family. If Medicare Supplement isn't right for you, I'll tell you that too.
Let's Talk About Your Options
No pressure. No obligation. Just honest answers to your questions.
Common Questions
When should I enroll in a Medicare Supplement plan?
The best time is during your Medigap Open Enrollment Period—the 6 months starting when you turn 65 and are enrolled in Medicare Part B. During this window, companies must accept you regardless of health conditions and can't charge you more for pre-existing issues.
If you wait, you may face medical underwriting, which could mean higher rates or even denial of coverage.
Can I keep my doctor?
Yes. With any Medicare Supplement plan, you can see any doctor or specialist who accepts Medicare—and over 90% of physicians do. No networks, no referrals, no prior authorization.
This is one of the biggest advantages over Medicare Advantage, especially in rural areas where networks can be very limited.
What about prescription drug coverage?
Medicare Supplement plans don't include prescription drugs. You'll need a separate Medicare Part D plan for medications.
I can point you in the right direction for Part D, or you can use Medicare's plan finder at Medicare.gov to compare options based on your specific medications.
How much does Medicare Supplement cost?
Premiums depend on your age, zip code, gender, and tobacco use. Rates vary by carrier and change periodically, so the best way to get accurate pricing is to request a personalized quote.
Reach out and I'll give you current rates for your situation—no obligation.
I already have Medicare Advantage. Can I switch?
You can, but it's not always easy. If you're outside your initial enrollment period, you'll likely need to pass medical underwriting to get a Medicare Supplement plan. That means health questions—and possible denial or higher rates if you have pre-existing conditions.
It's worth having a conversation about your specific situation. Sometimes there are options people don't realize they have.
Ready for Straight Answers?
No call center. No scripts. No pressure. Just a local agent who'll help you understand your options.
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