Medicare & Health Insurance Help in Northeast Georgia

Insurance is one of those things most people don't think much about until they need it.

Then suddenly you're trying to understand premiums, deductibles, networks, prescription coverage, enrollment periods, qualifying life events, and a whole lot of insurance terminology that can make your head spin.

That's where I come in.

I'm Brandi Tolbert, an independent insurance agent serving individuals and families throughout Northeast Georgia. My job is to help make insurance easier to understand and help you compare your options based on your individual situation.

Medicare Help

Medicare is one of the areas I help clients navigate most often.

If you're approaching 65, already on Medicare, or helping a parent or loved one figure out their options, there are several decisions to consider.

Depending on your situation, you may be looking at:

• Original Medicare

• Medicare Advantage

• Medicare Supplement (Medigap) plans

• Medicare prescription drug plans

• Dental, vision and other supplemental coverage

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There isn't one Medicare option that is automatically right for everyone.

Your doctors, prescriptions, budget, travel habits and personal preferences can all play a role in determining which type of coverage makes sense for you.

And Medicare enrollment has important timing rules, so waiting until the last minute isn't always the best approach.

Health Insurance Through Georgia Access

I also continue to help individuals and families who need health insurance through Georgia Access.

Whether you're shopping for coverage for the first time, renewing an existing plan, losing employer-sponsored coverage, experiencing a qualifying life event, or simply wondering whether you have better options, I'm here to help you understand what you're looking at.

Health insurance isn't just about finding the lowest monthly premium.

It's important to consider things such as:

• Monthly premium

• Deductible

• Copays and coinsurance

• Out-of-pocket maximum

• Provider networks

• Prescription coverage

• Your expected healthcare needs

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A plan that looks inexpensive on the surface isn't necessarily the least expensive plan once you actually use the coverage.

Life, Dental and Vision Coverage

In addition to Medicare and health insurance, I also help clients with life insurance and supplemental dental and vision coverage.

These types of coverage can be important pieces of an overall financial and protection plan.

You Don't Have to Know What You Need Before You Call

One of the biggest misconceptions I hear is that people need to understand insurance before they contact an agent.

You don't.

If you already knew exactly what you needed, you probably wouldn't need someone to help you in the first place.

My job is to ask questions, explain the options, point out the differences and help you understand what you're choosing.

Whether you're turning 65, shopping for health insurance through Georgia Access, losing employer coverage, or simply have a question about your current coverage, you are welcome to reach out.

Insurance doesn't have to be quite as confusing as it seems.

I'm here to help you understand it.