Randy Hall, Mr. Nice Guy Medicare Advisor

Medicare Insurance for Middle and West Tennessee


Call (615) 578-5174 for quotes and information
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Plan G vs. Plan N: A New Perspective

February 24, 2026 By Randy Hall

Back when I started as an agent the question I’d get from those wanting to buy a Medicare Supplement (aka Medigap) was: should I get a Plan F or a Plan G? Plan F, back then, offered the most comprehensive coverage, but what did that actually mean?

In actuality, the only difference between a Plan F & G was F covered the Part B deductible and G didn’t. Back then, the Part B deductible was around $140 and an annual deductible, which means once someone met the deductible Plan G was the same as an F plan.

The premiums between an F and G would usually be $25-30 a month difference for most companies at the time. Furthermore, once the annual rate increases (say 8% annually to be conservative) began to be applied, over time, the disparity would grow. Say for instance you had a 65-year-old woman have a $140 Plan F per month or a $110 Plan G monthly offered, here’s what you could expect the monthly premiums to mature to if they had an 8% annual rate increase:

                           Plan F            Plan G

65                          $140                    $115

70                          $205.71               $168.98

75                          $302.25               $248.28

Granted, the Part B premium does go up every year (in 2026 it’s at $283), you’re paying far more annually (at least double) than it would pay to have that covered.

Eventually though, in 2020, Plan F was removed for those who’ve aged into Medicare since 2020. Now, Plan G is the most comprehensive plan available to folks turning 65 and I’d just been selling it blindly since.

Then a client named Tim came to see me in December and he said he wanted a plan N. While N has been available since 2010, I’d only sold a few of them since it had a $20 doctor co-pay per visit and didn’t cover Part B excess charges. So, I got on my quote machine and gave him quotes for a 65-year-old male for a plan N. Much to my surprise the difference in price was stark! Much more so than I remember it being.

The most competitive Plan G was $140 monthly and on the same company it was $90 a month for a plan N! So, I asked him where he went to the doctor and all his docs took Medicare assignment (you can look this up on the Medicare.gov website).

The reason this is important is if a doctor or facility takes Medicare assignment, that means they can’t charge Medicare Part B excess charges. In fact, to even charge excess charges (the limit is up to 15% more than the Medicare allowable amount in my state, Tennessee), a doctor or facility must opt out of Medicare assignment, and only 3% of all physicians and facilities have even done that. Many of the ones who do opt out are in the mental health field and are usually psychiatrists or psychologists. So that took the sting off of Plan N not covering excess charges, since it’s exceedingly rare it would ever be an issue.

Beyond that, Plan N could charge a $20 co-pay to see the doctor whereas Plan G won’t. Unless you go to the doctor on a constant basis this isn’t that big a deal either. Furthermore, neither plan covers the Part B deductible, so until you meet the deductible, you’ll still be paying 20% of the doctor visit until you’ve met the deductible on N or G. The $20 co-pay only really matters once the Part B deductible has been met for the year!

To drive home the point, let’s look at the long-term difference between G & N from Tim’s perspective, if there was an 8% annual increase:

                          Plan G                 Plan N

65                          $140                         $90

70                          $205.71                    $132.24

75                          $302.25                    $194.30

It’s the law of compound interest in reverse! Tim had me convinced that Plan N was an extremely viable option. And, suffice-it-to-say, that’s what he went with.

In summary, Plan G may be the most comprehensive plan, just like Plan F was back-in-the-day, but it wasn’t usually the one that made the most sense from an overall cost perspective. Now Plan N seems positioned to be the one that stands out nowadays as the most cost-efficient. Granted both are excellent coverage for the price, but I won’t be sleeping on N as a good choice anymore!

Filed Under: Blog, Medicare, Medigap, Uncategorized Tagged With: Medicare Supplement, Medigap, Mr. Nice Guy Medicare Advisor, Plan G, Plan G vs. Plan N, Plan N, Tennessee Medigap

That time I appeared on Nashville Today

August 25, 2025 By Randy Hall

Back in November 2024 I went on the Nashville Today show and made an appearance to discuss the Annual Enrollment Period. Here’s the link for you to check it out and see for yourself who you’d be working with if you choose me to help with your Medicare options!

www.wsmv.com/video/2024/11/08/mr-nice-guy-medicare-advisor-shares-medicare-changes-2025/

Filed Under: Blog, Medicare, Medicare Consulting Services, Medicare Options Benefits Counsellor, Medicare Professional Advisor, Medicare Supplement and Medicare Advantage, Medicare Supplements, Medigap, Video Tagged With: 2025 Medicare Advantage Tennessee, 2025 Medicare Supplement Tennessee, 2026 Medicare changes TN, Best Medicare Advantage plans TN 2025, Best Medicare Broker Tennessee, expert Medicare advice, Free Medicare consultation TN, Independent Medicare Agent Franklin TN, Independent Medicare consultant TN, Making Medicare clear TN, Medicare advisory services, Medicare expert in Spring Hill, Medicare expert in Williamson County, Medicare Supplement vs. Advantage plans in TN, Mr. Nice Guy Medicare Advisor, Next Door Top Medicare Agent in TN, Tennessee Independent Medicare Broker, Top-rated Medicare broker in TN

Ask the Experts Episode 1 August 2025

August 25, 2025 By Randy Hall

Filed Under: Blog, Medicare, Medicare Consulting Services, Medicare Options Benefits Counsellor, Medicare Professional Advisor, Medicare Supplement and Medicare Advantage, Medicare Supplements, Medigap, Uncategorized, Video Tagged With: 2025 Medicare Advantage Tennessee, 2025 Medicare Supplement Tennessee, 2026 Medicare changes TN, Ask the Experts, Best Medicare Advantage plans TN 2025, best medicare agent Franklin TN, Free Medicare consultation, Independent Medicare Agent Franklin TN, Independent Medicare consultant TN, Making Medicare clear TN, Medicare Advisor Tennessee, Medicare expert in Williamson County, Medicare Supplement vs. Advantage plans in TN, Mr. Nice Guy Medicare Advisor, Next Door Top Medicare Agent in TN, Tennessee Independent Medicare Broker, Top-rated Medicare broker in TN

Ego Has No Amigo

August 14, 2025 By Randy Hall

by Randy W. Hall

Humbleness certainly isn’t celebrated much in this culture. Way too often, most of the time the squeaky wheel gets the grease. Which is to say the one who makes the most noise seems to get the most attention. But when it comes to dignity, personal fulfillment and lasting success, being noticed and garnering attention just for the sake of getting ‘credit’ or ‘kudos’ isn’t worth the effort.

Watching the 10-part documentary on Michael Jordan and championship-era Chicago Bulls of the 1990’s, (specifically the 1998 squad which was the focal point of the project) this point that ego has no amigo was driven home to me. I followed that team in real time, like many sports fans, so taking a trip down memory lane to go back to that time and re-live the journey and glory of Jordan and his teammates and the Bulls organization was cool and illuminating. Unlike my 23-year-old self, (my age in 1998), in the documentary, I paid attention to the architects who put that squad together, Jerry Krause the GM and Jerry Reinsdorf, the owner.

While I won’t dispute that it was incredible that they managed to win 6 titles in 8 seasons, it’s also crazy to think that the last title (or maybe more), were won despite the disharmony fostered by Krause and, to a lesser extent, Reinsdorf. You see Krause bristled that all the credit for the teams run was heaped upon Jordan, head coach Phil Jackson and the excellent Scottie Pippen primarily. Whatever crumbs of credit were left over went to him, Dennis Rodman, Horace Grant and a host of other role players. This rankled him so severely he alienated Jackson, going so far as to inform him he could go 82-0 and win the title in 1998 and he wouldn’t be brought back as coach!

This of course set him at odds with Jordan, who vowed not to return to the team in 1999 unless Zen Master Phil was coaching him. And Scottie Pippen was royally pissed at the organization for being severely underpaid (despite he himself signing the contract that locked him in at below-market value for years). Krause fomented the anger and disgust because his ego was no amigo. He figuratively cut off his nose to spite his face.

Psychologists, both professional and armchair, would have a field day diagnosing and analyzing the pathos Krause must’ve had to voluntarily break up the Bulls before they ever lost their title on the actual court. It’s a study in hubris, and how pride cometh before a fall. Not only did Krause’s plan to disband the Bulls fail spectacularly, the documentary brought to light that they didn’t even get to enjoy the ride of becoming champions, at least to a certain extent, because of jealousy and distrust.

The road to excellence was fraught with levels of unnecessary stress and angst well before the fall from grace took it even lower. It was more a relief than joy when they won most of the time because Krause helped create a semi-hostile work environment, that along with media and fan expectations, was a classic “damned-if-you-do-damned-if-you-don’t” conundrum. Which is a shame, in hindsight, because when done from a love-based perspective of cooperation, winning a championship or world title is considered the main point of professional athletics and the veritable holy grail of accomplishments! Just about every championship squad had reunions and retrospectives dedicated to their team winning because in our culture it’s so difficult and rare to reach those heights!

To turn it into a petty, fear-based endeavor really sours the experience for the main players involved in the psychodrama. But these guys were human, and they get twisted up in human emotions like the rest of us. Maybe they were too alike in the sense that their stubbornness refused to bend in the heat of the moment to acknowledge they were on the same side with the same goal. Michael Jordan was notoriously petty (his Hall-of-Fame speech is a great example). Krause, for a variety of reasons, wouldn’t show weakness or compromise to anyone, apparently, not even an all-time meal ticket like Michael Jordan and Company.

So, what does this have to do with you and me and insurance? Here’s my crack at connecting the two seeming disparate concepts:

We all can learn that most of us have fear-based ego traps that can stop us from connecting with what’s best for us sometimes. Mr. Nice Guy Medicare Advisor (aka me, Randy W. Hall) view every client from a unique, holistic perspective. I’m not going to convince you one way or another based on what’s best for me, what company or insurance plan you ought to enroll in.

My job, as I see it, is to give someone unbiased information and answer questions that help us arrive at a good solution to a question of what is good for everyone’s particular situation. Also, if you come to me already knowing, (or pretty sure) of what would be, the best course of action, I’m happy to assess and, ideally, verify what you think already. Also, if necessary, I’d give you an alternative perspective to consider if warranted.

The issue with salespeople, or agents who look at their side of the client-agent relationship from a viewpoint slanted to their perspective, is it leads to problems from the clients’ angle that could’ve been avoided.

Example: You call someone from a particular insurance company. They look up your drugs and doctors and it turns out they’re all covered. From that agents’ perspective, they can’t sell you anything else, so they enroll you in the best plan that they have available to sell you.

It hardly rises to a crime, but little did you know that had you called an independent, non-biased agent (conveniently such as myself 😊), there was a much better option that what you enrolled in, in terms of co-pays for you plan to see doctors or a hospital stay, your drug prices may have been lower (sometimes significantly less), and you could’ve gotten superior extra benefits such as dental, vision, or hearing than what you were limited to by calling just one company to research your options.

Also, sadly, there are situations where folks are put onto plans that are ill-suited to a clients’ needs simply because the salesperson must meet a quota, or, to be more charitable, not in-tune with thinking of the client first and foremost. Sometimes, it is nefarious. Just like there are scam artists of all persuasions, some use your Medicare insurance as a vehicle to take advantage of you. Most robo-calls the vast majority of seniors deal with are attached to the parasites of my industry.

As a rule, I won’t make your insurance situation worse. If I can’t improve your insurance plan, I let you know and give you that peace of mind. My goal is to be a beacon of positivity in this world of Medicare madness. Give me a call or text about what it is you need or are looking for and let me prove it to you, with no pressure ever. For Mr. Nice Guy (aka me), no ego (on my part) is your amigo!

Jordan & Krause: Frenemies at best

Filed Under: Uncategorized Tagged With: Chicago Bulls dynasty, Independent Medicare agent in Franklin, Independent medicare agent in Spring Hill, Medicare consultants in Tennessee, Medicare expert in Williamson County, Mr. Nice Guy Medicare Advisor

Greetings from Randy (aka Mr. Nice Guy Medicare Advisor)

October 4, 2024 By Randy Hall

Medicare Supplement plan

Whether you’re a recent client or one who’s been with us for years, I wanted to let you know how much we appreciate your business and are thankful you allow us to be your agent for your Medicare Supplement plan!

We are approaching Medicare’s Annual Enrollment Period (AEP) which runs Oct. 15th– Dec. 7th.

*** We are partnered with 2 Middle Tennessee YMCA’s to meet with our current clients and their Medicare eligible members to discuss 2025 plan changes and do annual Medicare reviews from October 15 through December 7th.  This is an option available for YOU and your FRIENDS & FAMILY. 

Your Medicare Advantage Plan will be going through some changes for 2025. Mainly due to the Inflation Reduction Act, there will be unprecedented changes. Complete detailed plan changes will be made available to the public on October 1, 2024, although you may receive an Annual Notice of Change from your plan prior to this date.

 

***WE’LL BE CALLING YOU*** You will be receiving a call from our office during the first two weeks of October to explain the plan changes for 2025.  If you want to discuss your potential options we can discuss over the phone, at any of the YMCA’s listed on the back of this letter, in-person at your house, or our new Franklin office (381 Riverside Dr. Suite 400, Zip 37064).

 

***WE LOVE REFERRALS!***…If you are happy with our service, we are asking you to SHARE the  enclosed business cards with YOUR family and friends.  With so many changes this year it’s as important as ever to check their plan from someone impartial!

 

Every year you’ll begin to see tv commercials, ads, and receive mail regarding plans (if you haven’t already).  You will also receive many phone calls from call centers trying to entice you to make changes.  Please DON’T call any numbers on mailings or on the TV as most are overseas call centers.  Rest assured we are always monitoring any changes to your plan and this year will see more changes than normal.  We carry as many plans as possible and can help you find the plan that meets your needs and wants for your healthcare if changes are appropriate for you.

This year more than ever we want to make sure you are on the best plan for you with so many changes. Thanks for trusting your Medicare coverage to me!

www.mrniceguymedicareadvisor.com

Randy W. Hall, aka Mr. Nice Guy Medicare Advisor

615-578-5174 – www.randywhall@yahoo.com

As of October 1st, I’ll be in the following locations on the listed days from the hours of 8 a.m.-noon each day:

Monday & Thursday: Margaret Maddox YMCA. 2624 Gallatin Pike, Nashville, TN 37216

Wednesday: Northwest YMCA. 3700 Ashland City Hwy., Nashville, TN 37218

To book an appointment to see me at the YMCA go to:

https://i2meeting.as.me/RANDYHALL

I will still be available to do office appointments, or over-the-phone, but wanted to let you know if you wanted to come check out the YMCA and meet with me at a neutral location, this would be a great option this upcoming fall. Also, if you want to meet in the afternoon at our Franklin, TN office, we could also schedule that too. Whatever is most convenient for you 😊 To schedule an appointment for this upcoming AEP give me a call at 615-578-5174 or schedule here:

https://i2meeting.as.me/RANDYHALL

Me and family Summer 2024 in Indian Rocks, FL (from left to right, Walton, William, Me, Wiley and Vera)

Me and family

Did I hear Mr. Nice Guy on the radio?

Indeed, you did! I’m running radio spots this year during the Glenn Beck Show starting Oct. 15-December 7 on 98.3 FM & 1510 AM this AEP. Several of you heard me last year when I first attempted it. It went so well I’m doing it again. With the election this year and the severe changes to Medicare it was a no-brainer. Check it out if you can!

Filed Under: Blog Tagged With: Medicare’s Annual Enrollment Period, Mr. Nice Guy Medicare Advisor

I was born to be…a Medicare broker?!

March 27, 2023 By Randy Hall

Growing up as a kid in Detroit in the 1980’s and 90’s I dreamed about being several things: a sportscaster or sportswriter, a DJ (someone on the radio, think Wolfman Jack), an actor. As I got a little older some of these things lost their luster or I never seriously pursued the paths it would’ve taken to do any of these professions.

Probably like many kids and adolescents I had adults trying to entice or pique my curiosity with “realistic” life paths along the way. “Randy you could be a doctor!”, “how would you like to be a teacher?” or my great grandma, whom we called Oma, had me ticketed to be a Catholic priest! In high school my guidance counselor half-heartedly recommended I be a salesperson of some sort, which ironically, came the closest to where I find myself today.

Through happenstance I found myself being a Medicare broker in my mid-30’s in 2010. Like most of things I did to earn a living to that point in life it wasn’t the most intentional of paths. It just sort-of happened and I happened to be good at it.

Recently one of my colleagues told me a stat that sort of startled me. Within the first two years of getting their insurance license 92% of health insurance agents fail, i.e. leave the business and go back to working a regular job. Within the niche of selling Medicare, it’s right along those lines as well with a whopping 7-8% of those who start this line of work making it to Year 3!

So here I am in Year 14 of my career as a Medicare broker, and I wondered “Why me?” What was it about me that allowed me to not only survive, but thrive in this industry? Then it came to me that just about every job I’ve ever had until now was good training for working for myself and being a Medicare expert. As a person of faith, it became apparent to me that maybe I was led down this path and meant to be Mr. Nice Guy Medicare Advisor.

Growing up in Detroit my family were blue-collar and not wealthy by any means. This meant if I wanted to get anything more than the basics, I had to go earn money at an early age. The summer before my eighth-grade year I got up at an unholy hour to help my Dad on his newspaper delivery route to earn $3 or $4 per day. And once school started back, I’d help him on Sunday mornings for $5. Even in 1988 this wasn’t much money. Still, it showed me how hard my dad was working to make a living.

The following year I was old enough to start caddying at the local country club, Plum Hollow in Southfield, MI which was about 2 miles from where I grew up in Northwest Detroit. My uncles had been caddies there a decade or so prior to me. Also, one of my best friends and his sister already were lugging golf bags there, so I had an in.

The first year was rough as there were plenty of times I’d show up and either not get out or wait for hours before getting picked. Still, the pay was so far-and-away better than what my dad paid and the work so much easier (relatively speaking) that I was glad to do it.

What I came to realize was that it was a natural weeding-out process in a sense. Once you were an experienced caddie (they had ranks, and it took a year to go from newbie to captain and still another year and a certain number of rounds to become an honor caddie) golfers would request you or if the caddie-master knew you were good they’d set you up with the better paying golfers and get you out quickly. The rookie caddies (labeled ‘slashes’ by their more experienced peers) had to pay their dues. If you were a ‘slash’ life was much more difficult. But if you could weather-the-storm and come out the other side, you had it made, relatively speaking.

My second season as a caddie I got very fortunate and hooked on with a guy named Mr. Dan McDonald and became his permanent caddie for much of the next 5-6 years. There was a kid who was a senior in high school named Brad who was his caddie who was about to age out of the program, and I wisely ingratiated myself to him.

Pretty quickly we had an arrangement that he’d let me know when he was playing next and if I could be there, I’d caddy for him. Mr. McD, as I called him then, was a guy who owned a heating-and-cooling business and was a self-made guy who reminded me of many of the strong Catholic men I’d met growing up at church and going to a Catholic school, including my own grandfather. But he had a multi-faceted personality and big heart and taught me many things directly and indirectly.

For those who’ve read the Robert Kiyosaki book “Rich Dad, Poor Dad”, he would’ve been my “rich” Dad. During the prime golf playing months in Southeastern Michigan (April through October) and especially on summer breaks, I’d see Mr. McD more than my real father seemingly. Through him I got to see several things that were absent in my own life. He and his wife Mary had a fun, yet serious, marriage. My own parents were not aligned, to put it kindly.

He also was a successful businessman a good model for an adolescent like me. He made owning your own business and working for yourself look obtainable and not a struggle.

Through the years (I was his caddie for six golf seasons) he imparted a ton of wisdom both in terms of explicit words and mainly in his deeds. He treated me like one would treat their own kid (respectfully of course) and even when he was hard on me, it was clear it was because he cared. He was just an excellent human being, and he did this for multiple caddies over his time. I was very lucky to be one of them.

The next occupation was being a busboy and waiter. Once I got a car, I was mobile and able to work after school. That’s the rub, once you have transportation it made it necessary to work to pay for said transportation. So firstly, I worked at the same country club I caddied at my senior year of high school once the weather turned (September and October).

My very first day on the job I was quickly introduced to the world of foodservice and christened the occasion by spilling about six fully loaded glasses of water on one of the guests due to not being able to balance a full-tray on my first day. Talk about being thrown from the fire into the frying pan immediately! I didn’t have much time to process the trauma as I immediately had to figure out how to get food out to guests and then remove the plates once they were done with them. At 17 this was an entirely new concept to me.

Anyhow, I was part of a crew of other busboys (several also caddies like me) so I learned the value of teamwork and having to serve under the waiters and waitresses whom it was my job to assist. You know, basic stuff they really don’t teach you in school.

I left the country club and wound up taking a job at a family restaurant near my home in the winter as there wasn’t enough hours at the country club to make it worth my while post-Christmas and I needed money consistently.

They hired me as a busboy too, but within a week they determined I had the personality to be a waiter instead. This was my first experience in the workplace of promotion, which was a vaguely gratifying feeling, along with a bit of a pay-bump.

If you’ve never waited on the public let me, tell you: it’s a bit of an education. You’ll meet all kinds of people, and you can tell much about others from how they treat the ones who serve them. Good, bad and ugly.

Me being a people-pleaser already, I also had it beaten into me at Catholic school to be submissive and conscientious, so being a waiter was a mixed bag for me. Once I got good at it, I had many folks who would come in and request me to wait on them, which was great. What wasn’t so great was those who were jerks to me and I didn’t have the life-experience to realize the problem was almost always them and not me. On the plus side, it did give me the life-experience to deal with all different types of folks and really connected with many of the customers whom I got to know.

Throughout my 20’s I was a waiter at family restaurants, the Ritz Carlton, Macaroni Grille, and a few other fine-dining restaurants. It taught me people skills, coping skills and how to work hard. All-in-all a definite net positive.

When I was 23, I started dating a girl who I worked with at the family restaurant with who actually set me on a course of the Monday through Friday, 9-to-5 type job that is the backbone of our white-collar American society. She was the first person to get me to seriously question the direction of my life in the restaurant industry and through her friends got me to be a file-clerk at a mid-size accounting agency where I’d have a salary (a crappy one, but hey, I was young 😊), some medical benefits and have the weekends to myself for the first time since childhood.

There were some stark differences between this slice of corporate America and the restaurant business. Instead of being tipped, where effort and attitude typically correlated to better pay, here you had to ingratiate yourself to management to have an easier path as a worker. My manager, Jeanie, was quite the character, but not a fun or easy manager to work under. I quickly figured out that a bad manager could make a job that wasn’t that bad feel like it was akin to forced labor. Me, being someone who likes to give people the benefit-of-the-doubt, especially those in authority positions at that age, it took me awhile to work out an exit strategy, in the form of another promotion.

While doing my job better than any of the other file clerks within weeks, I got to know the manager of the secretaries (administrative assistants for those who prefer that term), a nice lady named Lori, and befriended many of the accountants with my positive outlook and can-do attitude.

Without getting too much in-the-weeds of interoffice politics of this firm, I found an opportunity to become an administrative assistant quickly and not have to deal with Jeanie but be supervised by Lori instead and get a pay raise. At this point I got see how a job that wasn’t glamorous was made fun by someone who was your advocate in Lori. While I had no formal training in being an administrative assistant she taught me specifically what I needed to know and trusted that I’d grow into the role and give it my all, which I did.

Being an administrative assistant taught me how to navigate a more professional environment and how to organize my time and energy way more efficiently, as I was thrown into the deep end during tax season at this accounting firm. I also learned many of the tricks and ways to conduct yourself I use today to conduct myself in a professional manner, but also to work with others. Key was keeping the schedule for several accountants and how to run an appointment in terms of setting it up. In hindsight this was great to learn as I’ve been setting up my own appointments for 14 years now.

After a year plus there, I was fired for a dumb prank that went awry. As horrible as it felt being let go, it served as a springboard to my next work experience, which, is my favorite, other than working for myself. Through a connection of my friend Jeff Hupp, I was hired as an administrative assistant for J. Walter Thompson in downtown Detroit to the Regional Advertising Force department of JWT.

The RAF team wrote, directed and produced all the Ford ads locally and nationally through our department. It was a great place to work, even when I was there at the time and in hindsight. The guys who interviewed and ultimately decided to hire me were John Kmiecik and Jim VanderEyk. They oversaw the copywriters, art directors and producers who were all integral to the creation of the ads we all see on TV. Naturally, I knew next-to-nothing about advertising, but they saw in me a fellow creative (I produced my own local cable TV show with my best friend) who had just enough experience to be able to work with the eclectic bunch of people who constituted their team. In fact, one of the chief reasons they went with me was the nature of the dumb prank that got me fired from the accounting firm and my forthright honesty about it. Talk about taking lemons and making some sweet lemonade!

For a little over six years, I assisted them in facilitating the running of the nuts-and-bolts of the department. Booking travel, processing expense reports, answering phones for the managers, scheduling meetings, and other necessary administrative tasks.

Over the years I met some of the coolest, most remarkable people I’ve ever known and am friends remotely (via Facebook mostly) with to this day. Everybody from Elmore Leonard’s song Bill to my fellow administrative assistants, to folks in the accounting department (what is it with me and accountants?). I was blessed to work with excellent folks in an environment that fostered my personal creativity while showcasing my blend of humor and hard-working professionalism to an, on-the-face-of-it, pretty unglamorous job. But they made me feel honored and fulfilled all the years I did it. If I ever wrote a TV show that’s like “The Office”-meets- “Mad Men” it’d be based on the excellent work experience I had there!

Also, in 2001 I became a certified handwriting expert, graphologist, and would moonlight working events by analyzing the cursive handwriting of strangers for “intellectual entertainment”. This was my first small business. Although I didn’t have enough time to do the graphology full-time, I worked for myself to get word out that I had the requisite skills to be hired by those who were interested in what I had to offer. It was an excellent “side hustle” and part-time, professional work that was a precursor to the job of Medicare broker. I would also analyze someone’s writing the way I analyze someone’s Medicare insurance today!

Come Thanksgiving 2006 my relationship with my longtime girlfriend ended at the exact time my best friend Dan Minard was visiting me after moving to Nashville, TN earlier that year to pursue his musician muse. I had long felt a feeling of stagnation and hated the colder climate of Southeastern Michigan and Dan presented the idea of moving to Tennessee to room with him and making a life change in the warmer environs of Nashville. He correctly pointed out that if I gave it a try and didn’t like the change that I could return to Michigan.

After sleeping on it overnight I felt the impulse to give it a shot. At that point I didn’t have a kid or a significant other to keep me there and if I didn’t do it now, it would more likely be never. I told him I’d give it 2 years and see how it went. If nothing else, it would be a memorable chapter in my life.

I had to wait until I got my tax return refund (that’s how poor I was), but on February 7th, 2007th me and my good friends Tim and Michelle Luttman moved me to Nashville, TN for the grand adventure.

I had no job lined up, but my sister Kathy at the time worked for a temp agency, Kelly Services, that had a Nashville office who set me up with my first assignment at Genworth Financial in their Medicare Supplement division as an agent helpline rep for their agents in the field throughout the U.S. Did I have any experience whatsoever in insurance, let alone Medicare? Absolutely none. But I proved to be a quick study and within a few weeks they offered me the job full-time, at a salary greater than what I made at JWT when I left!

Quickly, with the help of a few great ladies named Joan Maguire and Rose Faulkner, I learned enough about Medicare to be dangerous. As fate would have it, about three or four months into this new job, someone in the Agent Recruiter department got let go, opening a position where I’d be recruiting agents through the US to sell Genworth’s Medicare Supplement product. This position was a huge opportunity for me since I’d still have my same salary, but also, I’d get overrides on whatever my agents sold, which turned out to be some real money (at least to me at that point in life).

In the short run it was an opportunity to really improve my income, but in the long run I got to learn the Medicare business intimately and pick the brain of agents who were out there selling and making a living. I befriended many good people who were kind enough to tell me if I got my license, I might make a good agent myself one day.

Well under some initiative my bosses’ boss at Genworth had where we’d know what the agents we were recruiting were going through, my department of three (including me) were put into a week-long insurance school and then took our life and health license test to become licensed agents ourselves.

I passed and got my license in fall of 2008, which was fortuitous as when Genworth was undergoing financial strain and cost-cutting in January 2010, my entire department (again all 3 of us) was laid off. Eventually things got so bad for Genworth that they sold the whole Medicare Supplement division to Aetna. For the purposes of this story, I was unemployed that fateful day in 2010 with an uncertain future to say the least.

I had spoken to and theorized I could become an independent agent at some point, but I had just gotten married in May 2009, and we’d bought our first home in August of that year. My wife had a steady job and encouraged me, since I already had my license, to start talking to my agent buddies and figure out the best way to become an agent.

Quickly, I got licensed with as many Medicare companies as I could and began to buy leads. Due to all my prior experiences, it felt natural being a Medicare agent. Being a caddie and waiter taught me how to work with the public and many kinds of people, from many walks-of-life. Being an administrative assistant taught me how to do the basics of scheduling and how to act professionally. Working in advertising taught me the ins-and-outs of how to market myself. Being a handwriting expert taught me I could run one-man business and be a certified professional.  Finally, working as a direct agent recruiter put me in direct contact with the very people who were doing what I’ve been doing for the past 14 years and helped me save years of figuring out many things myself.

Combined with my determination to prove my former employers made a mistake, I committed myself to being the best Medicare agent I could be. The first 2 years were tough (remember that stat that said 92% of people in my industry quit in the first 24 months), but I hung in there and sold enough to get me to the next year until sometime in year 3 I caught a break and enrolled over 150 clients in one enrollment season. At that point I became established enough that I knew I’d be able to sustain myself enough to continue to do this.

Of all the jobs I’ve ever had, this is my favorite one. I have more control over my time and know that I’m truly helping people for a living. Like any profession it has it’s good points and bad points, but overall this one is the best combination of pay, job satisfaction, and autonomy. I don’t think most would glamorize or pick this line-of-work but in hindsight it took all the skills and previous experience of mine and combined it into the perfect role for me. As someone wiser than me put it: Joy isn’t getting everything you want, it’s enjoying what you create. On second thought, maybe I did come up with that one 😊!

Who would ever expect to go from this to a Medicare Advisor?!

Filed Under: Blog, Life Lessons, Medicare Tagged With: 2023, Broker, Franklin, Independent Medicare broker, Medicare Advisor, Mr. Nice Guy Medicare Advisor, Tennessee, when I grow up

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