Here is the Insurance Lady
Phone: +1 (404) 437-2323
Email: HereistheInsuranceLady@gmail.com
Medicare support that makes choices easier
Navigating Medicare can feel overwhelming. This page explains the program, walks through eligibility and enrollment steps, compares common plan options, and lists the documentation you will need. The goal is simple: help you make confident, informed choices and avoid surprises later.
Who this is for
- People approaching age 65 who are preparing to enroll.
- Individuals with recent changes in employment or retirement status.
- People comparing Original Medicare with Medicare Advantage plans.
- Caregivers assisting a loved one with enrollment or plan changes.
What to expect during our first meeting
We begin with a focused review of your current situation: age, work status, existing coverage, prescription needs, and preferred providers. From there we explain Medicare parts A and B, how Part D prescription coverage works, and whether supplemental coverage (Medigap) or a Medicare Advantage plan makes more sense given your priorities.
Common plan choices explained
- Original Medicare (Parts A & B): Standard federal coverage for inpatient and outpatient services. Many people add a Part D plan for prescriptions and a Medigap policy to lower cost-sharing.
- Medicare Advantage (Part C): Private plans that replace Parts A & B, often bundling Part D and adding value services. These plans use provider networks and have plan-specific rules for referrals and prior authorizations.
- Part D — Prescription Drug Plans: These plans vary by formulary and pharmacy network. Reviewing prescriptions and expected changes is essential to pick a plan that limits out-of-pocket costs.
Enrollment periods to note
- Initial Enrollment Period (IEP): The window around your 65th birthday when you may first enroll without penalty.
- Annual Election Period (AEP): Each fall when beneficiaries can switch plans for the following year.
- Special Enrollment Periods (SEPs): Available after qualifying events such as loss of employer coverage or a permanent move.
Why work with a licensed advisor
State-licensed advisors provide plain-language explanations of coverage, review how specific plans handle your medications and providers, and run cost comparisons that reflect premiums, deductibles and typical out-of-pocket spending. That practical analysis helps prevent gaps in coverage and surprising costs when care is needed.
What we will review together
- Current and expected medical needs, including medications and preferred doctors.
- Projected total annual cost for competing plans — premiums plus likely out-of-pocket expenses.
- Network restrictions and whether your providers participate in the plan network.
- Any enrollment deadlines or penalties that may apply.
Frequently asked questions
Do I need to enroll at 65 if I’m still working?
It depends on employer coverage and whether that employer’s plan is considered creditable. We will review your employer coverage and deadlines so you do not face an unnecessary penalty.
How do prescriptions affect my choice?
Prescription formularies and pharmacy networks vary significantly. Even small differences in copays or prior authorization rules can affect annual cost. We run comparisons using your specific medications.
Can I change plans later?
Yes, during set enrollment periods such as AEP or during certain Special Enrollment Periods following life events.
Local resources — Dallas
For local Medicare events, enrollment fairs, and community resources in Dallas, a number of provider offices and community centers host informational sessions each year. If you prefer, we can point you to events or set a one-on-one meeting to review options.
Use this link for details on our Dallas services: Medicare Insurance Service In Dallas TX
Contact & office
Please use the contact details below to reach our office. We respond to calls and emails promptly and provide clear next steps after the initial consultation.
Phone: +1 (404) 437-2323
Email: HereistheInsuranceLady@gmail.com
Mailing address: 134 Flat Creek Trail, Fayetteville, GA 30214
Website: https://hereistheinsurancelady.com/
Checklist — Documents and information to bring
Bring the following items to your consultation to make the review accurate and efficient:
- Photo ID (driver’s license or state ID)
- Social Security number or card (if available)
- Current insurance cards (employer plans, Medicare, or other coverage)
- A list of prescription medications, dosages, and the pharmacies you use
- Recent medical bills or statements if you are comparing out-of-pocket exposure
- Dates of any recent or upcoming surgeries or treatments
How the cost comparison works
We compare plans by projecting likely annual costs, which include:
- Monthly premiums.
- Estimated deductible amounts and coinsurance for services you typically use.
- Prescription drug costs based on your medication list and the plan formulary.
- Provider network considerations that may affect your access or cost for certain specialists.
After the initial review we present a short, easy-to-read comparison showing expected costs for each plan and clear next steps for enrollment or follow-up review.
Sample scenario
For example, a patient taking three maintenance medications and seeing a cardiologist monthly may find a plan with a slightly higher premium but lower prescription copays and a participating cardiology group results in lower total annual cost. We run the numbers so decisions are based on expected use, not only the sticker price.
Privacy and data handling
Protecting personal information is a priority. Any personal details you provide for plan comparison or enrollment are handled according to licensing and data-protection requirements. We only request information that is necessary to evaluate plan options and complete enrollment paperwork.
Next steps
- Contact our office by phone or email to request a consultation.
- Provide a brief summary of current coverage and medications before the meeting when possible.
- Attend the consultation (phone, virtual, or in-person) and review the comparison materials we prepare.
- If you choose to enroll, we complete the enrollment paperwork and confirm effective dates and documentation to retain.
We maintain clear records of recommendations and provide written summaries after each consultation so you have a reference when needed.