Seniors Can Save Thousands with New Medicare Plan Options!


 Have you heard about Medicare Supplement plans? These new plans could save you thousands of dollars in medical expenses! If you are already using Medicare, you know that Medicare is great to have, but you also know that it doesn’t cover everything. Often times, Medicare users are left with hefty bills to pay after a surgery or a hospital stay. This is why Medicare supplemental plans are so great to have!

The new Medicare supplement plans offer a lot of benefits for seniors on Medicare. Here are a few of the benefits you would receive with a Medicare Supplement plan:

1) With Medicare Supplement plans, you will not have to pay any co-payments when you go to the doctor.

2) There are no high deductibles!

3) There are no out-of-pocket fees from co-insurance policies, either. With Medicare Supplement plans, you would just go to the doctor or the hospital and know that your maximum out of pocket for Plan G is only $198.00 for 2020.*

If you are already a senior, and just lost your health benefits at work, you only have 60 days to enroll in Medicare. You now have a special open enrollment situation to use. Getting a Medicare Supplement plan is good for your future health! It can also save you tons of money in health care costs in the long run.

Picking the best Medicare supplement plan is the easy part. Reach out to me today, and I will gladly go over the difference between Medicare Supplement and Medicare Advantage. I will answer all of your questions, like these: What is Part A & Part B? When can I enroll in Medicare? I will walk you through each of your questions with a check sheet and give you the dates of when it will start, and how everything work. The Insurance NanaAmy Kelley will make Medicare easy to understand!

Call me for help with these new Medicare plans. Don’t wait! Contact me today so we have plenty of time to look at all your options. 770-527-5598

*These rates are only valid for 2020.

How Do You Prepare for the Coronavirus? Here Are Some Tips to Help You Stay Healthy!


 There is a lot of panic in the US about the new Coronavirus. Much of the panic is being pushed because there is a lot of uncertainty around this new virus. We do not truly know how many people have been infected in the US, since the first batch of tests for the virus were faulty. The World Health Organization has stated that most carriers of the COVID 19 virus will show mild symptoms or no symptoms at all.

How can we truly know how many people are infected and carrying the virus if they are not getting tested? Let’s focus on the US for a minute. There are over 1000 confirmed cases in the US (as of 3-13-20) and 26 deaths at the time of this blog. President Trump has sanctioned travel bans, and sports arenas are empty in the most celebrated time of year in college basketball.

So, what should we be doing to prepare ourselves and our family for the COVID 19 virus? We need to first understand that this is a highly contagious virus. It will spread, and many people will carry it without symptoms. The good news is, that most Americans will show very mild symptoms if they do contract the virus. The demographic at greatest risk is the elderly, or people with underlying medical issues.

Here are the facts: The virus can be transferred for up to two weeks while someone is infected. This means that there are 2 weeks of potential quarantine for many Americans. Let’s focus on what can we do to help lower our risk of contracting this virus. (1) We must wash our hands often, and thoroughly. Especially after being in a public place. (2) Another tip to help avoid the virus is to drink something every 15 minutes. Aside from staying hydrated, this method will move pathogens to the stomach where they will be destroyed by stomach acid. (3) Be careful not to touch your eyes or face when in public, as this can move the virus into your body. (4) When in public: Be careful of touching hard surfaces, grab handles, knobs and counter tops. Keep your hands in your pockets or folded in front of you. (5) Check your medical plan for coverage, or get a health insurance plan, today!

During this time: Evaluate your health care coverage and medical insurance. We have short term medical plans (STM) available from several health insurance carriers to ensure that your family is covered in an emergency. (One of these STM plans has also agreed to cover the cost of testing for the virus.) You don’t have to wait for open enrollment to get a health care plan, so call me today.

Let me review your health insurance needs and help you to determine what is best for your family. Here in Georgia, Amy Kelley, The Insurance Nana, can assist you with your health insurance needs.  The Insurance Nana wants you to be safe and remain healthy during this uncertain time.

Call 770-527-5598 today to speak to find out which health insurance products would best suit you and your family.


Are You Prepared for Retirement and Social Security?


Here are a few things you should know about Social Security, before you decide to retire. Plan early and you can be prepared for your future with less worry.

What is the future of Social Security? Statistics tell us that by 2035, the U.S. population over the age of 65 will number 78 million (compared with 56 million today).

When will Social Security run out? It is projected, that by 2035, Social Security reserves are estimated to be totally depleted. Social Security payments would need to be cut by 23%, if Congress fails to solve this issue.

At the current rate of social security and the retired population, this presents big issues for Americans.

Did you know that: 62% of today’s retired workers lean on Social Security to provide at least half of their monthly income? So, what can you do? Save and strategize now! You may have other bills, but saving for retirement needs to become a priority. Remember, 62% of Americans are in trouble at the current rate of spending and saving for retirement. That may be because they put other needs and wants ahead of saving for retirement. Giving time for compounding interest and growth will be crucial for your outcome.

The important thing to know about retirement is this: Don’t wait to save! You can’t make up for compounding growth in retirement income if you don’t save now. It’s okay to start small and let it build.

Planning for Medicare is also a factor of retirement. If you would like to talk to a health insurance specialist, or to get personalized advice on Medicare or medical insurance planning, call The Insurance Nana.

Even if retirement is 40 years away, don’t miss out on potentially precious years of gaining compound growth.


Links used in our article:

1 Social Security Administration, Fact Sheet, June, 2019

2 Caplinger, Dan, 2019 Social Security Trustees Report: The 5 Things You Need to Know

3 Williams, Sean, 55 All Inclusive Social Security Facts, Feb 2019

Born in 1955? Then This is the Year for Medicare


If you are over age 64, I bet your mailbox is filling up with a ton of junk mail in reference to Medicare. If you started reading that junk mail, then you could be more confused than ever before.

How would you like a step by step guideline on what you should do (and when to start) so that by the time you turn 65 you are enrolled in the right plan for you? Just give me a call and I will gladly email you a list. In the meantime, here are some ideas to get started understanding Medicare.

First, you need to enroll in Part A and Part B up to 90 days prior to your birthday (Example: if your birthday is in July, then you can enroll in Part A & Part B April 1, 2020). You will need both Part A & Part B to be eligible to enroll in either Medicare Supplement or Medicare Advance. Once you receive your Medicare card in the mail (it will be red/white/blue), then you can enroll in either Medicare Advance or Medicare Supplement. (Call me and I will go over the difference between Medicare Advance and Medicare Supp. and give you the pros and cons to both).

Do yourself a favor: Even if you don’t talk to me, please talk to a Health Insurance professional who can advise you on what your options truly are! This is the one time in your life that you do need a professional to help you choose wisely, because you only have one shot at this.

EXAMPLE: If you are dealing with Cancer, had a heart attack, or any major medical issue, then this will be the ONLY time in your life that you will qualify for Medicare Supp. plan.

Call my office for easy-to-understand, straight answers to your questions about Medicare. Ask the Insurance Nana. Call me now or click on the form here to fill out some basic information, and I will call you. Let’s sit down and discuss all your options with Medicare and get you the coverage you need.medicare-supplement-insurance

Call today at (770) 527-5598 for the insurance coverage you need. To begin with Medicare, Health Insurance, life Insurance, vision or dental insurance, let the Insurance Nana help you discover the right products for you and your lifestyle.

Award Winning Insurance Agent: Amy Kelley, The Insurance Nana

Award winning ins agent Amy Kelley

Amy Kelley has been recognized for her hard work and expertise and helping consumers enroll in and manage qualified health coverage through the health insurance marketplace. This achievement from the centers for Medicare and Medicaid services as a member of the 2020 marketplace circle of champions highlights Amy Kelley’s success. Amy Kelley has enrolled over 1000 people in the Marketplace, since 2014.

“Agents and brokers play a vital role in helping consumers access qualified health coverage and navigate their new health insurance plans throughout the year.” Said Randy Pate, director of the Center for Consumer Information and Insurance Oversight with CMS, which oversees the marketplace. The marketplace circle of champions program recognizes the hard work, expertise, and service of marketplace registered agents and brokers.
Award winning ins agent Amy KelleyAgents and brokers who assist many consumers with their enrollment, qualify for the marketplace circle of champions. Eligible consumers can enroll in marketplace coverage during this year’s open enrollment period, which runs November 1st through December 15th 2019. consumers with questions about their coverage or who would like help enrolling, can contact Amy Kelly the insurance Nana at 770-527-5598. Or email her at: