Just Ask Tam

Medicare Readiness Quiz

Not sure what to pick? Send email to tamela@justasktam.com.

How to use your points: A=1 point, B=2 points, C=3 points, D=4 points

Click the arrow for each question, then pick the 1 letter that fits you best.

1. Which best describes you?

A. I am turning 65 soon or just turned 65. (1 POINT)

B. I already have Medicare but I am still not sure what fits me. (2 POINTS)

C. I am helping a parent or loved one with their Medicare. (3 POINTS)

D. I'm under 65 but on disability or thinking about it. (4 POINTS)

2. What matters most to you when we look at your options?

A. Keeping my current doctors and doctors and hospitals is my top priority. (1 POINT)

B. Lowering my monthly costs is my top priority. (2 POINTS)

C. Predictable out-of-pocket costs during the year matter the most to me. (3 POINTS)

D. Extra benefits like dental, vision, hearing, and over-the-counter help matter most. (4 POINTS)

3. What do you wish was different about your current coverage?

A. My current plan is mostly fine; I just want to be sure I'm not missing anything (1 POINT)

B. My costs feel high or unpredictable and I'm not sure why. (2 POINTS)

C. I'm confused about what's covered and what's not. (3 POINTS)

D. I've had a major health or life change since I chose my plan (4 POINTS)

4. How do you prefer to get help?

A. I prefer short phone calls to talk things through. (1 POINT)

B. I like detailed emails I can read and save. (2 POINTS)

C. I do best with screen-share or video so I can see everything (3 POINTS)

D. I need someone who can also walk my family or caregiver through it. (4 POINTS)

5. Have you made any major life or coverage changes recently?

A. No big changes; things are mostly the same as when I first chose my plan. (1 POINT)

B. I've had some changes in my health or medications. (2 POINTS)

C. I've had changes in my income, work status, or where I live. (3 POINTS)

D. I've had several big changes and I'm not sure how they affect my Medicare. (4 POINTS)

Add up your points to see your Medicare readiness lane!

5-7 POINTS: "You're mostly on track, you just want a second set of eyes. I can help you double-check what you already have."

8-12 POINTS: "You're feeling some pain with cost or confusion. A focused Medicare review could clean this up for you."

13-17 POINTS: "You're in a major transition season. You don't have to sort this out alone - email me with 'Readiness Check' in the subject line."

If any of these sound like you, email me at Tamela@JustAskTam.com

Problem Solution Flow

'I'm getting mail, calls and ads and I do not know who to trust.'

Solution - A licensed agent who is not chasing a quota, just giving straight answers.

I do not speak 'insurance' and I feel dumb asking questions.'

'I'm getting mail, calls and ads and I do not know who to trust.'

Solution - Plain-English explanations with no rush and no judgement.

I don't want to be pressured into a plan I'm not sure about.'

'I'm getting mail, calls and ads and I do not know who to trust.'

I only hear from agents during enrollment. The rest of the year I'm on my own.'

Solution - Education first, decisions second.

I only hear from agents during enrollment. The rest of the year I'm on my own.'

Solution - A real person you can come back to with questions.

I'm in Texas now, but my family and friends in other states have questions too.'

Solution - Clear Medicare education that still helps them, even if I can't enroll them yet.

'I am scared I will lose my doctors or my medicines if I make a move.'

Solution - Side-by-side comparison before you sign anything.

Are you still working past 65 yrs old?

There are some instances where you can sign up later, without penalty.

Do not assume you are exempt. 'JustAskTam' about your situation. There is never a charge for asking me anything. As found on the very public Medicare website, it tells you that most people sign up for both Part A and Part B when they are first eligible. However, there are instances where it makes sense to sign up later. I can help you understand what is best for your situation.

Knowledge is Power!

Why do you have AEP every year? Because things change....plans change every year. Premiums, copays, drug list, networks, extras. People's lives change every year. Your health, your doctors, income and medications. So Annual Enrollment Period is your built in check up. You get to make the adjustments needed. If your plan does not fit you anymore, you can change it. This is where I come in. I will look at all of the variables and tell you what you are working with. I will break it all down for you.... and you will make the best decision for you.

AEP = October 15th - December 2nd

Annual Enrollment Period (AEP) is a busy period in this Medicare land.

Nevertheless- this is when you want to make your changes. These changes will go into effect January 1st.

It is very important that you evaluate your coverage and get educated on the changes that will occur. I will help you with that. Working with me, you will not have any surprises!

You can call me now to get an understanding on your currently plan. But starting October 1st - we can compare the current plan and any changes that will occur.

Is This You?

TURNING 65?

Already On Medicare but Unsure About Your Plan?

Turning 65 isn't confusing. You've just been under-educated.
Get educated before you enroll!
Stop guessing with your health!

Already On Medicare but Unsure About Your Plan?

Document titled Health Insurance Benefits with pen, glasses, and calculator nearby.

If you have not reviewed your Medicare plan this year, you are gambling.
Loyalty to your plan will not save you money.
Find out what you are missing.

Confused by mail and ads?

Want clear answers without pressure?

If you are choosing your mom's(or dad's) plan without understanding... Stop!
Protecting your parents starts with not winging it.
Bring your questions. I'll bring clarity.

Want clear answers without pressure?

If you feel rushed or pushed into a Medicare plan, pause.
Your health and money deserve decisions made without pressure.
Ask your questions, I'll give straight answers so you can decide.

Medicare Readiness Quiz