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Everything you need to know
Have questions? We've got answers. Browse our most frequently asked questions below.
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Advantage plans function like private insurance through carriers such as Humana or Blue Cross, utilizing networks like HMOs or PPOs. These plans often provide additional benefits not included in Original Medicare, such as dental coverage and gym memberships. Conversely, Medicare Supplement insurance works as a secondary payer to your Original Medicare and costs an additional amount beyond Medicare Part B. These plans typically only cover services that Medicare already covers.
If my premium is too high on the ACA Marketplace can I buy a plan elsewhere?
Yes! There are many options for plans outside the marketplace. The biggest differences are that they do not depend on income or affect your taxes, may include health questions, and can often be more affordable while providing better coverage than a marketplace HMO.
Can I offer insurance to my employees if I have less than 5 employees?
Yes! Small businesses with at least one employee have many options to offer competitive insurance plans, helping them attract and retain top talent.
What happens if I don’t use the correct income when applying for a Marketplace plan?
If your actual income is lower than what you stated on your application, you may be eligible for a tax refund. Conversely, if your income is higher than reported, you will likely owe taxes the following year.
Can I go to the Mayo clinic on a Marketplace plan?
Mayo Clinic does not accept any marketplace plans at this time. You would need to purchase an off-market plan that is accepted and complete a health questionnaire.
Over 250 clients happily served
Todd Jarman did a fantastic job as usual. He took the time to make sure all my questions were answered before proceeding.
Larry
Todd is so nice to work with. He's very knowledgeable. He had to be patient with me... several times (sorry, Todd) kind and clear, thorough and a true professional!
AnnGelina
Todd went beyond helping me to make changes for the supplement insurance plus the cost. Throughly enjoyed communicating with him. I highly recommend him.
Patricia
Not only did Todd get us a huge discount on health insurance for our entire family, he also has gone above and beyond providing lightening fast customer service and support. Would recommend Jarman Insurance to anyone in AZ looking for the best insurance options.
Geoff
Impeccable service! Todd is not just my new insurance guy, he's my new friend. He provided me with the perfect insurance and peace of mind at a very difficult time for my family, and ended up saving me thousands of dollars. More importantly, he was there to assist me every step of the way.
Josh
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