Randy Hall, Mr. Nice Guy Medicare Advisor

Medicare Insurance for Middle and West Tennessee

Medicare Supplement or Medicare Advantage: Navigating the Choices with Mr. Nice Guy Medicare Advisor

By

Who is Mr. Nice Guy Medicare Advisor? Allow me to introduce myself – I’m Randy W. Hall, a seasoned Medicare broker based in the heart of Franklin, TN. With thirteen years of experience as an independent agent, I proudly represent a comprehensive range of Medicare plans, spanning both Medicare Advantage and Medicare Supplement plans.

The Dilemma: Medicare Supplement Plans

Medicare Supplement, also known as Medigap, is designed to fill the gaps left by Original Medicare. These plans, offered by private insurance companies, help cover the out-of-pocket costs such as deductibles, copayments, and coinsurance that Medicare alone doesn’t cover.

For those who prefer a straightforward approach to healthcare costs, a Medicare Supplement plan might be the ideal choice.

The Perks of Medicare Supplement

One of the key advantages of Medicare Supplement plans is the freedom to choose any doctor or hospital that accepts Medicare patients. With standardized coverage across plans, comparing and selecting the right one for your needs becomes a more transparent process.

Decoding Medicare Advantage Options in TN

On the other side of the spectrum, we have Medicare Advantage plans. These plans, often bundled as Part C, combine the benefits of Original Medicare (Part A and Part B) with additional offerings like vision, dental, and prescription drug coverage. Medicare Advantage plans are primarily provided by private insurance companies approved by Medicare.

Tailoring Plans to Tennessee Residents

Navigating the nuances of the right Medicare Advantage information in TN requires a keen understanding of the local healthcare landscape. With my expertise in the Tennessee market, I can guide you through the intricacies of available plans, ensuring you find one that aligns with your unique healthcare needs.

A Comprehensive Approach

Whether you lean towards the stability of a Medicare Supplement or the added perks of a Medicare Advantage plan, Mr. Nice Guy Medicare Advisor offers a comprehensive approach. As an independent agent, I have the flexibility to represent a wide array of plans, putting your needs at the forefront of the decision-making process.

Personalized Guidance

Choosing between Medicare Supplement and Medicare Advantage can be a daunting task. With my personalized guidance, you can navigate the complex world of Medicare plans with confidence. I’m not just an advisor; I’m Mr. Nice Guy, dedicated to ensuring you make informed choices for your healthcare future.

The End Note

Whether you’re considering the stability of Medicare Supplement plans or the added benefits of Medicare Advantage in Tennessee, let me be your trusted guide.

So, wait no more; explore your options and embark on a journey towards a well-informed and secure healthcare future.

What We Actually Do for Our Clients

By

I’ve been an independent Medicare insurance broker since 2010 and have been lucky enough to have a nice book-of-business of folks I’ve helped. Some of my clients do go all the way back to when I was a rookie agent and finding my way!

One of the reasons why, according to them, is I remind them several times annually who I am and if they need my help with anything related to their Medicare plan, I’m responsive and helpful. Unfortunately, in my industry, there’s a lot of turnover (91% or more of agents specializing in Medicare don’t make it past their first 18 months in business before quitting). Not only that, those who sign up under someone may never, or rarely, hear back from the person once they enrolled them in their plan.

Early on I realized that it was far easier to keep a client than to go get new ones. So, I decided, especially for my Medicare Advantage clients, to give them a call every October to check in on them and see how their particular plan was working for them. Furthermore, if they wanted to do a complimentary Medicare review, I’d rather be the one doing it than someone else. Besides, one of the benefits of being a broker is I can offer multiple options in terms of plans and companies.
Since these Medicare Advantage and Medicare Part D plans change their formularies and co-pays annually, as an independent agent, I knew that what was good when I enrolled someone, was subject to change. And if someone’s going to change, they could still keep me as an agent.

I also mail my clients a letter every September to remind them I’ll be reaching out to them. In addition we also mention they’re about to be hit with tons of telemarketing calls, have their mailboxes filled with confusing information and non-stop TV & radio ads that beckon you to call them. We caution them not to do that as they’ll likely be calling overseas and speaking to people who don’t know their local market and won’t give advice tailored to their needs.

But the most important thing I do for my clients is to actually help them if they ever run into an issue with their plan, or don’t know where to start to take advantage of a benefit, amongst other things. I pride myself on the personal touch and my clients will tell you I go above and beyond to help them. I have many 5-star reviews on Google business so you don’t have to take my word for it 😊
See for yourself at: https://g.page/MrNiceGuyMedicare

If you’re ready to take the next step forward to make an appointment you can call me 615-578-5174 or come see me at one of my YMCA locations from October 1st-December 7th from 8 a.m. through noon here:
https://i2meeting.as.me.RANDYHALL

If you want to see a Nice Guy to help with your Medicare review I’m available at the YMCA

Mr. Nice Guy Medicare Advisor is a NextDoor Neighborhood Fave for 2023!

By

Mr. Nice Guy Medicare Advisor has been voted a 2023 Neighborhood Fave! Thanks to all my clients who made this happen and nominated me! We are grateful to serve you and for the recognition 🙂

Why is Medicare so confusing? What the heck is Joe Namath talking about?

By

Now, more than ever, I’m getting those turning 65 calling me or meeting with me and they say something to the effect: ‘I get all this stuff in the mail, why is it all so confusing?’. My personal belief is the party who sent the mailing intends to confuse you and get you to call them in an attempt to get you in their sales funnel when you call to get clarification.

Prior to working in insurance I worked for an advertising company called J. Walter Thompson out of Detroit, MI (my hometown). One of the things I learned working there was an ad was effective if it created curiosity. Which is where Joe Namath comes in. His ads for the ‘Medicare Helpline’ create curiosity, especially for the Senior-age demographic, who were impressionable kids when he was a superstar for the New York Jets winning Super Bowl 3, and want to give the venerable Broadway Joe the benefit-of-the-doubt.

The ad is generic (by design) as he lists a host of benefits that may or may not even be available in your particular part of the country. The entire goal of the commercial is to use your curiosity about the benefits he’s talking about and your trust of his persona to call the number on the screen.

Which, believe me, folks nationwide have done in droves. Once you make that call you get a licensed insurance agent in a cube farm somewhere who will try every trick in the book to get you to switch your insurance to a plan to one they sell, whether it’s in your best interest or not. The truth is that the Medicare “Helpline” is designed to help the agent you wind up speaking with on the phone, not the customer necessarily. Their entire endgame is to get a commission out of you and anything that results after that is of little concern to them.

Odds are that agent knows nothing about your local market and is not even in the state you live in. When it comes to Medicare Advantage plans in particular, knowing the local market can be the difference in knowing which company or circumstances will best benefit the client. Once an agent on the Medicare Helpline has you as a client, if you have follow-up questions or issues, you will be lucky to ever hear or get ahold of from them ever again, Especially if there’s a service issue on the plan they put you on.

You’d be better served calling 615-578-5174 if you live in TN than the # above 😉

At least with a local agent, such as myself, we know our local market well and if you need our help, we are available and easy to get ahold of. If you were to survey my clients they’d tell you I follow up with them annually to bring them up-to-date on changes to their plan and am responsive if they ever need my help.

And to bring it back to the original point, it’s my personal mission to answer your Medicare questions in a way that’s easy for you to understand. One of my strengths is breaking down details in an easy-to-understand way that’s straightforward for you, the client.

I’m pretty sure you wouldn’t ask me what it’s like to be an NFL Quarterback, so why would you ask a former NFL QB, no offense Broadway Joe, about Medicare? If you thought about it, you wouldn’t. And whatever you do, don’t trust Henry Winkler (aka The Fonz) about those reverse mortgages :).

-Randy W. Hall is Mr. Nice Guy Medicare Advisor and you can call him to ask Medicare-related questions in Tennessee at 615-578-5174. No pressure ever guaranteed!