Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
Your Trusted Medicare Brokers
JBA Insurance was founded in 2019. We recognize that our clients are trusting us with some of the most important decisions of their lives. It's a responsibility we take very seriously, and it's the reason why so many of our clients refer us to their friends and family.
We look forward to working with you!
I went to a seminar given by John Billetdoux at the Bordentown City Library somewhere around a decade before I turned 65. The information that he gave me was invaluable for getting help with obtaining Medigap Insurance when I was about 3 months away from my 65th birthday. Unfortunately, thee year before, in 2019, I already had to declare bankruptcy, due to 5 cancer surgeries and treatments, etc. (for example one of my Keytruda treatments through my port was $60,000, and I was having a Keytruda treatment every 3 weeks)!!! With his knowledge of the various companies plan's features (plusses and minuses), and by asking me specific questions about things like which prescription drugs I take, etc, in April of 2020, John Billetdoux led me to the Medigap company that was the best fit for me. Since one can only apply for bankruptcy about once every 7? or is it 8? years, (if the judge even approves the bankruptcy ) with all my subsequent PET scans, brain MRIs, hospitalizations, and E.R. visits, and even just specialist's copays, without my Medigap policy paying the 20% that Medicare doesn't pay, I would have been in medical debt for life. I literally had a couple million dollars in medical bills submitted to my Medicare and my Medigap policies since getting my Medigap policy that paid the 20% not covered by Medicare. Thank God for John Billetdoux and the fact that I kept his business card for years before I was old enough to apply to get a Medigap policy Now I'm not being hounded by medical debt collectors and to the best of my knowledge, no medical debt collector has placed any liens on my house after my bankruptcy cleared my debts away in 2019, and then, just on time, in 2020, John Billetdoux saved the day by saving me literally hundreds of thousands of dollars over the past 6 years I do pay a monthly premium, but it in no way is anywhere near what I would have owed in medical bills. Plus it's so nice to walk into a doctor's office and, by having both a Medicare card and a Medigap policy, I never have to write a copay check. With those two things, there is no copay, just the deductible at the beginning of each year. Especially if you're nearing age 65, see John Billetdoux STAT before your engine light goes on!
I have been very pleased with John's customer service. Always answers questions clearly and within a short amount of time. Highly recommend
John was fantastic! He took his time to explain the best supplemental plan for me. John saved me a tremendous amount of money! I highly recommend him. He returned my call in less than 24 hours and the new plan was processed and approved on our call!!! Amazing! You will not be disappointed with his professional help!
John Billetdoux and staff are quick to answer calls or return my call promptly. They send weekly emails with helpful information and offer to discuss any issues I may have, including, but not limited to, health insurance price increases coming up and alternative ways to combat and overcome theses issues. He is a very good agent to have in my corner. Bruce Pressler
John helped find us new supplemental, which is saving us hundreds of dollars per year. He is fast, knowledgeable and a very nice guy. Thank you, John!!
The Right Plans for Your Needs.
We recognize that your needs and situation are unique. We spend the time to get to know you to make sure that you get coverage and support that fits your lifestyle. Here are just some of what we provide:
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Life Insurance
One reason for choosing a life insurance policy is to figure how much your dependents will need after you’re gone.
Critical Illness
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance typically pays a lump sum. Additionaly, some policies may pay a monthly cash benefit.
Dental & Vision
Proper dental and vision care can be an important component of our well being. Coverage of some kind can help you ensure the health of your eyes, teeth and gums.
Long Term Care
As we age, the likelihood we will need some type of medical or personal care increases. We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Unlike retirement plans, there is no limit to how much money you can put into an annuity! The number of annuity products on the market today can make selecting the most suitable annuity a confusing process.
Final Expense
The cost of a funeral can add up quickly. The last thing you or your family need is to worry about is if you will be able to cover the funeral expenses. That is why planning ahead is critical.
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