Business Details
Jay Barber Insurance Services is an independent insurance agency specializing in Senior Insurance Solutions. We work with dozens of insurance companies so we can offer our clients appropriate coverage for them. Our clients are located all across Ohio, giving us a great feel for the insurance landscape. We design plans with a focus on low costs, and proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
Services
Medicare Advantage Plans
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare.
Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare.
Medicare Supplement Insurance Plans
A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
Then your Medigap policy pays its share.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
Then your Medigap policy pays its share.
Medicare Part D Prescription Plans
Medicare offers prescription drug coverage to everyone with Medicare.
If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.
Each plan can vary in cost and drugs covered.
These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.
Each plan can vary in cost and drugs covered.
These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Final Expense
Final expense needs are usually covered with a whole life insurance policy.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
Medicare FAQ's
A: Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.
A: Medicare does not have spousal or dependent coverage.
Medicare is individual.
If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
If the employer group has 20 eligible employees or more, and you're going to continue to work, then yes it's an option.
A: Medicare does not have spousal or dependent coverage.
Medicare is individual.
If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
If the employer group has 20 eligible employees or more, and you're going to continue to work, then yes it's an option.
Medicare Enrollment Resources
Many people are confused about the steps to take towards getting Medicare when they become medicare eligible.
You are either eligible due to a disability or due to age.
Most people will age into Medicare and will automatically be enrolled in both parts of Medicare.
If you are near Medicare eligibility due to age and have not received any information then maybe it's time to to contact Social Security Administration but before you do first consider these things.
If you are eligible for both Medicare Part A and Medicare Part B and you refuse to enroll in Part B simply because you don't see the need and you have no other qualifying health plan such as a group insurance plan through an employer or employer of a spouse, then you could be charged 10% more (for life) on your Part B premium than someone who first signed up when eligible.
You are either eligible due to a disability or due to age.
Most people will age into Medicare and will automatically be enrolled in both parts of Medicare.
If you are near Medicare eligibility due to age and have not received any information then maybe it's time to to contact Social Security Administration but before you do first consider these things.
If you are eligible for both Medicare Part A and Medicare Part B and you refuse to enroll in Part B simply because you don't see the need and you have no other qualifying health plan such as a group insurance plan through an employer or employer of a spouse, then you could be charged 10% more (for life) on your Part B premium than someone who first signed up when eligible.
