Northcutt Insurance, 364 New Byhalia Road, STE 5 Collierville, TN 38017, (901) 758-0535
Our Retirement Insurance Specialists
MAC NORTHCUTT
Mac is a long-time resident of Shelby County, TN. After graduating from Collierville HS, he attended The University of Mississippi, Oxford campus. Following Ole Miss, he worked at Le Bonheur Children's Hospital in the surgical department. Mac received his Property & Casualty and Life & Health Insurance licenses from the State of Tennessee in 2012. Five years later, in 2017 he opened the Northcutt Insurance Agency. In addition to Medicare supplement, dental and vision insurance, the agency offers home, auto, life, business and other insurance coverage. Mac is highly experienced in all aspects of insurance protection.
KIRK NORTHCUTT
Kirk worked for Auto-Chlor System for 30 years. His last position with the company was Chief Operating Officer, where he managed many key aspects of the business including, marketing, corporate account sales, regulatory, chemical and product development. Following retirement, in January 2019, he joined Mac and the Northcutt Insurance Agency. Having personally gone through the medicare enrollment process he understands the complexities. His first hand experience will help you navigate the process.
HEALTHCARE DURING RETIREMENT
Northcutt Insurance is here to answer all your questions about Medicare and Medicare Supplemental Insurance options. We will help you select the best policy and plan for your needs. We work with "A" rated carriers and our goal is to find you the most cost-effective Medicare Supplemental Insurance solution based on your health and financial situation.
Frequently Asked Questions
When do I sign up for Medicare?
Most people should enroll in Medicare Part A (Hospital Insurance) when they are first eligible, but certain people may choose to delay Medicare Part B (Medical Insurance). In most cases, it depends on the type of health coverage you may have. To learn more, click the button below to see the Medicare definitions for... Should I get Parts A and B?... and select the option that applies to you and your particular situation.
What does Medicare Cost?
Medicare Part A and Part B Cost.
Premium Free Part A -- You usually don't pay a monthly Premium for Medicare Part A coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.
Part B Costs. You pay a premium each month for Part B. Your Part B premium will be automatically deducted from your benefit payment such as Social Security or Railroad Retirement Bond.
Is Supplemental Coverage for me?
A Medicare Supplement Insurance (Medigap) policy is health insurance that can help pay some of the health care costs that original Medicare doesn’t cover, like coinsurance, co-payments, or deductibles.
Private insurance companies sell Medigap policies. Some Medigap policies also cover certain benefits Original Medicare doesn’t cover, like emergency coverage occurring during foreign travel.
DO I NEED A PRESCRIPTION DRUG PLAN
WE CAN HELP WITH MEDICARE DRUG PLANS
Not all Medicare Insurance options cover the costs of your prescriptions. Therefore, it is wise to invest in a Prescription Drug Plan (PDP). Prescription Drug Plans are also referred to as Medicare Part D. Unlike Parts A and B, it's not mandatory to enroll in a PDP. However, you may face penalties later on if you decide not to enroll when you're first eligible for Medicare. Many Medicare Advantage plans do include Part D in their coverage. Medicare Supplement plans; however, do not. We help you with your drug coverage by reviewing your medications with you. We then find the best prescription drug plans for you to ensure your medications are covered by the plan's latest drug list and by your pharmacy
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WHEN AM I ELIGIBLE FOR FULL SOCIAL SECURITY?
Nearly 10,000 Americans turn 65 each day. For years, 65 was considered Full Retirement Age. The Social Security Administration has changed Full Retirement Age eligibility. If you are born after 1954 Full Retirement Age varies by birth year. Click the link below to see your Full Retirement Age or call our office!
Delta Dental's insurance solutions
Use the button below to view top-rated affordable dental and vision plans for individuals and families.
- Add vision coverage to any plan
- Plans available with no waiting period
- Online quotes and enrollment in minutes
VISION COVERAGE TO SEE YOU THROUGH RETIREMENT
INDIVIDUAL VISION INSURANCE PLANS
Whether you’ve recently retired or are realizing your health plan doesn’t meet your vision care needs, VSP® Individual Vision Plans have you covered.
RETIREES SWITCHING PLANS Transitioning from an employer-sponsored plan doesn’t have to mean giving up your vision coverage or your VSP network doctor. When you enroll in a VSP Individual Vision Plan, you can get the affordable coverage you need that’s similar to what you had through your employer.
ORIGINAL MEDICARE MEMBERS If you’ve noticed your plan doesn’t cover routine eye exams and materials like frames, lenses, and contacts, you’re not alone, many Medicare plans don’t.1 With a VSP Individual Vision Plan, you can enhance your coverage and get back to quality eye care and eyewear at low out-of-pocket costs.
WHY VSP INDIVIDUAL VISION PLANS
LOW out-of-pocket costs
SAVINGS on progressive lenses5 36,000 DOCTORS and convenient locations nationwide
WIDE SELECTION of designer eyewear
OVER $200 typical annual savings6 GUARANTEED satisfaction with our member promise
YEAR-ROUND open enrollment
YOU'VE WORKED HARD... TIME TO ENJOY LIFE
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