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I was so impressed that I gave his name and number to two of my friends. I never felt the least bit pressured and he was very patient with me. Barbara D, Springfield, OH Read more reviews
More about Jory
I have spent the last 10 years of my life focused on helping others through challenging times in their life, whether it be marriage issues, financial issues, or just simply helping to provide directions. In that same vein, I love what I am doing with eHealth: Providing Medicare beneficiaries a safe place to turn to get honest feedback, with unbiased recommendations, in a relaxed, no-pressure environment. I love taking something that can be incredibly overwhelming and making it relatively effortless. I walk people through the decision-making process so that they are confident in the plan they ultimately choose.
Three words that describe me:
Patient, understanding, and honest.
Favorite thing to do when not at work:
Work with families in planning their future.
Favorite place to visit and why:
Panama. I had an amazing time there, from snorkeling in the Atlantic Ocean to cruising through dirt roads in the jungle. Most amazing place there is an old pirate fort called Fort San Lorenzo. Amazing history in Panama.
What I like most about helping people find the right Medicare plan options:
Typically, when people call me, they are at the breaking point with their plan options. They have talked to several insurance companies and hear one thing, their friends are telling them another, and Internet blogs are saying something different. At this point, anyone would be confused and frustrated. What I find is most of these sources of information are all FEAR-based decision making. They are trying to scare you into a plan or scare you away from other plans. What I enjoy doing is explaining the options from a factual perspective. I explain how the plans work with Medicare, what the benefits are, and simply educate the beneficiary so he or she can make an educated decision. Because let’s face it: Every individual is different, and the plan that is working great for your friend might not be the right plan for you.
Sports team: the Seattle Seahawks
Movie: Seven Brides for Seven Brothers
Author: John Maxwell
Quote: E + R = O (Event + Response = Outcome) I believe if we decide what the outcome is what we desire, it won’t matter what life events get thrown at us. We just need to learn to respond to the event to get the outcome we want.
Medicare articles by Jory
What’s New about the Medicare Card in 2018?
If you have Medicare, you can expect to receive a new Medicare card. Between April 2018 and April 2019, the Centers for Medicare & Medicaid (CMS) will mail new Medicare cards to more than 60 million Medicare beneficiaries. Because this mailing is... Read more
Does Medicare Cover Arthritis Treatment?
Arthritis is a common concern of seniors. The Centers for Disease Control and Prevention (CDC) estimates that over 54 million American adults have arthritis. There are over 100 types. Here's a quick overview of the most common types, and information about... Read more
Heart Disease: Risk Factors and Symptoms
According to the Centers for Disease Control and Prevention (CDC), heart disease is the leading cause of death in the U.S. About a quarter of all deaths are due to heart disease, so it's important to recognize the symptoms of heart disease and know... Read more
Men and Hair Loss
Learn about the causes of male hair loss, how to prevent it, and what your treatment options are. Hair loss in men vs. women Both men and women can experience hair loss, but it may look different. According to the National Institutes of Health (NIH), the... Read more
Does Medicare Cover Sepsis?
Sepsis, which is potentially fatal, is the body's extreme response to infection. Sepsis causes system-wide inflammation injuring tissues and organs, according to the Centers for Disease Control and Prevention (CDC). Sepsis may progress to septic shock,... Read more
Is Alzheimer’s Disease Hereditary?
If someone in your family has Alzheimer's disease, it's normal to wonder if your chances of developing the disease are increased. According to the National Institute of Health, many human diseases have a genetic, or hereditary component. According to the... Read more
Does Medicare Cover Antibiotics?
What are antibiotics? Antibiotics are medications that kill bacteria in the body. Doctors may prescribe antibiotics to treat bacterial infections, according to the National Institutes of Health. Antibiotics: what kinds of infections are they used to... Read more
20 Healthy Activities to Try with Your Grandchildren
Some seniors find that caring for their grandchildren is both pleasant and rewarding. In fact, caring for your grandchildren may also be healthy. Research suggests that seniors who babysit grandchildren may lower their risk of developing Alzheimer’s disease... Read more
Does Medicare Cover Care in Religious, Nonmedical Health-Care Institutions?
What is a religious nonmedical health-care institution? A religious nonmedical health-care institution is a facility that provides nonmedical nursing items and services to people who need hospital or skilled nursing facility care but who choose to rely... Read more
The Opioid Epidemic: Protecting Your Loved One
According to the U.S. Department of Health and Human Services (HHS), 91 Americans die every day from an opioid overdose, meaning there are about 33,000 opioid deaths a year. According to HHS, drug overdose deaths are the leading cause of injury deaths in the... Read more
Does Medicare Cover a Heart Transplant?
Has a doctor recommend heart transplant surgery for you or someone you love? A heart transplant is a complicated procedure, but the good news is that your chances of survival are good, according to the Mayo Clinic. Knowing what to expect before and after... Read more
Does Medicare Cover Electrolysis?
Medicare typically does not provide coverage for electrolysis, a procedure that removes unwanted hair. Hair removal procedures, including electrolysis, are generally considered cosmetic procedures. Medicare excludes cosmetic treatment from coverage unless it... Read more
Does Medicare Cover a Dental Abscess
A dental abscess is caused by a bacterial infection in a tooth and, if untreated, can spiral from a painful toothache to potentially fatal septic shock. Learn how to identify and prevent a dental abscess and whether Medicare covers dental treatment for a... Read more
What to Do if Your Medicare Supplement Plan is Discontinued
If your Medicare Supplement plan has been discontinued, you may want to understand how this could happen and what you can do. Here's some information for you. Usually, Medicare Supplement (Medigap) plans are "guaranteed renewable." That means that even if... Read more
Are Generic Prescription Drugs as Effective as Brand Name Drugs?
Almost 90% of prescriptions filled in the United States are for generic drugs according to the Food and Drug Administration (FDA). Brand name drugs are released first and generic drugs are copies of them. For example, the generic version of the erectile... Read more
Does Medicare Cover Methadone?
What is Methadone? Methadone is an opioid (narcotic) used to relieve moderate to severe around-the-clock pain, according to the National Institutes of Health (NIH). It's also used to treat addiction to opioid drugs such as heroin and prescription narcotic... Read more
Managing Health-Care Costs with a Medicare Supplement Plan
Managing health-care costs can be a huge source of stress for many Medicare beneficiaries. Learn how a Medicare Supplement plan may help with out-of-pocket costs so you can get the care you need while keeping medical expenses in check. Why managing... Read more
Can I Use Any Doctor with a Medicare Supplement Plan?
Some people worry about whether they'll be able to use the doctor of their choice, or any doctor they want, when they start getting Medicare benefits. If you buy a Medicare Supplement plan to work alongside your Medicare coverage, you may generally have a... Read more
Does Medicare Cover the Ensure Drink?
The Ensure drink is a brand-name for a nutrition shake which can be used as meal replacement or a meal supplement. According to ensure.com, some Ensure drinks “are designed to provide complete, balanced nutrition to help people maintain or gain a healthy... Read more
What is Hospice Care?
It might comfort you to know that Medicare may cover hospice care if you or a loved one has a terminal illness – that is, if your doctor has determined that your condition won't improve and that your life expectancy is six months or less. Hospice care is... Read more
Taking Care of Medicare Billing When I’m Sick in the Hospital
It could be one of your worst nightmares: you're involved in a major car crash that lands you in the hospital for an extended period – perhaps in a coma connected to a respirator. Thinking about Medicare billing may be the last thing on your mind, but if... Read more
Smart Watch Features That May Help Improve Seniors Health
If you’re a senior considering buying a smart watch, you might be interested in the health and safety benefits it might provide. According to the NPD Group, a market research company, only about 5% of smart watch owners are 55+ but this doesn’t mean that... Read more
Medicare Part D: How Is It Funded?
The Medicare Part D prescription drug program is available to all 58 million Americans currently on Medicare, including seniors 65 and over as well as those under age 65 with disabilities or certain conditions that qualify them for Medicare coverage.... Read more
Do Medicare Advantage Plans Have Guaranteed-Issue Rights?
If you're interested in Medicare Advantage (Medicare Part C) but have pre-existing health conditions, you may be wondering whether your medical history may make it harder to find a plan – or whether you may have to pay more for coverage. Medicare Advantage,... Read more
Can I Be Turned Down for Medicare Supplement Insurance?
Medicare Supplement plans are sold by private insurance companies to work alongside your Original Medicare (Part A and Part B) coverage and help cover out-of-pocket costs such as copayments, coinsurance and deductibles. These plans could help you save on... Read more
Will Medicare Cover a Ramp to My Front Door?
If you or someone you love has mobility issues, you may want to install a wheelchair ramp to the front door to make it possible to avoid stairs. Unfortunately, if you are enrolled in Original Medicare (Part A and Part B), there is generally no coverage for a... Read more
Tips for the Long Distance Caregiver
According to the National Institute on Aging (NIA), if you live more than an hour from a person who needs care, you are engaged in long distance caregiving. Long distance caregiving takes many forms. Some caregivers simply manage their loved one's personal... Read more
A Caregiver’s Guide to Choosing Medicare Plans with Part D Coverage
Roughly 44 million caregivers in America provide unpaid care for an adult or child, according to the National Alliance for Caregiving. As a caregiver (whether you're a son, daughter, friend, or professional caregiver), it's important to find appropriate... Read more
Protecting Yourself from Medicare Fraud
There are numerous types of Medicare fraud that can target you, the Medicare beneficiary, directly. But there are some general rules of thumb that you can use to protect yourself from unscrupulous individuals looking to either steal your identity or scam you,... Read more
Can I have a Medicare Advantage and Medicare Supplement plan at the same time?
You won’t need a Medicare Supplement (also known as Medigap) plan if you decide to enroll in a Medicare Advantage plan. It wouldn't do you any good, since a Medicare Supplement plan wouldn't cover your Medicare Advantage out-of-pocket costs (such as... Read more
How do I find the best Medicare Supplement (Medigap) plan?
Are you considering getting a Medicare Supplement plan? Maybe you want to find out more about Medicare Supplement insurance. Make sure you understand what different plans cover so you can find a plan that may best meet your needs. What is a Medicare... Read more
Does Medicare Cover Zocor?
Zocor is a medication called a “statin” that some patients use to lower their levels of certain kinds of cholesterol, per the United States Food and Drug Administration. If you are enrolled in Medicare, you may have coverage for Zocor and its generic,... Read more
Does Medicare Cover Bariatric Surgery?
Bariatric surgery is a type of weight loss surgery that may be recommended in some situations to treat obesity. Although there are different types, the procedure may involve surgically reducing the size of your stomach, so you will eat less food but feel full... Read more
Does Medicare Cover Paxil?
According to the National Institutes of Health (NIH), Paxil is one brand name for a generic medication called paroxetine, which may be used to treat conditions such as: Depression Panic disorder Social anxiety disorder Obsessive-compulsive... Read more
High Cholesterol Overview: Signs, Symptoms, Prevention, and Treatment
Cholesterol is a wax-like substance found in fats, that your body needs, says the Center for Disease Control (CDC) website. However, if you have high cholesterol (also called hyperlipidemia), you may be at risk for serious health complications such as heart... Read more
Medical Marijuana and Medicare Coverage
Marijuana is the dried stems, flowers and leaves of the hemp plant Cannabis sativa which people smoke or consume, according to the National Institute of Health (NIH). Under the U.S. Controlled Substances Act, marijuana is categorized as a Schedule 1... Read more
Does Medicare Cover Hearing Aids?
Hearing aids can be expensive. The National Institutes of Health (NIH) found that the average price of a digital hearing aid that requires fitting procedures was about $1,500 and that some hearing aids cost up to $5,000 (as of 2013). It's no wonder you may... Read more
What does a formulary in a Medicare Part D Prescription Drug Plan mean?
Medicare requires that every private insurance company approved to offer Medicare Part D Prescription Drug Plans provide a certain minimum level of coverage. However, the individual companies have some flexibility in deciding which prescription drugs they... Read more
Balance Exercises for Seniors
Falls are a serious issue for older people. According to the Centers for Disease Control and Prevention (CDC), one-fourth of all aging adults fall each year, and falling once increases your chance of falling again by 200%. How serious are falls? Over... Read more
A Caregiver’s Guide to Understanding Dementia
Are you a caregiver for a loved one with dementia? It may help to gain an understanding of this condition and learn how dementia is defined. What is dementia? The National Institute on Aging (NIA) defines dementia as "the loss of cognitive functioning –... Read more
Caregiver Tips for Traveling
As a caregiver, traveling with your loved one can present a challenge – for example, if he or she has Alzheimer's disease. In addition to all the detailed planning for medications, therapies, and any other special care your loved one needs once you arrive... Read more
What is the Treatment for Diabetes?
Diabetes is a disease where your body doesn't adequately control blood sugar (glucose) levels, because it doesn't produce enough of the insulin hormone or doesn't use the hormone efficiently, according to the National Library of Medicine. The National... Read more
Medicare Coverage of Diabetes
According to the Centers for Disease Control and Prevention (CDC), about 29 million Americans suffer from diabetes, or approximately 9.3% of the population (all ages in 2012). The Centers for Medicare & Medicaid Services (CMS) says that diabetes is a... Read more
Does Medicare Cover Glucotrol XL?
Original Medicare (Part A and B) doesn't typically cover prescription drugs like Glucotrol XL. This is the brand name for the generic drug called glipizide. Doctors sometimes prescribe Glucotrol XL to help patients treat type 2 diabetes, according to the... Read more
Do I Need an Advance Directive?
Have you been thinking about filling out an advance directive? According to the National Institute on Aging (NIA), advance-care planning, or making plans about your health care in the event of a medical crisis, is an important step at any age. Advance-care... Read more
Caring for Someone with Huntington’s Disease
According to the National Institute of Neurological Disorders and Stroke (NINDS), Huntington's disease (HD) is an inherited disorder that causes brain cells (neurons) to progressively break down. This means that the symptoms of Huntington's disease (HD) get... Read more
What is the Medicare Beneficiary Ombudsman?
Have you ever wanted to: File a complaint or grievance with Medicare Get help figuring out how your Medicare coverage will help pay for your medical costs Or get answers to other questions about the program? You're not alone. As a Medicare... Read more
What Are My Rights to a Fast Appeal?
If you are enrolled in a Medicare Advantage plan or Medicare health plan, you can ask for a fast appeal if you’re receiving Medicare services from a facility or health-care agency and you think your Medicare-covered services are ending too soon. Your right... Read more
Medicare Coverage of Colon Cancer
According to the Centers for Disease Control and Prevention (CDC), the risk of developing colon cancer increases dramatically as people age. More than ninety percent of patients were 50 years of age or older when they were first diagnosed. Besides age,... Read more
Comparing Medicare Supplement (Medigap) Plan F and High-Deductible Plan F
As you may know, Original Medicare (Part A and Part B) may leave you with out-of-pocket hospital and medical costs, like copayments, coinsurance, and deductibles. To help cover these "gaps," you can consider purchasing one of the 10 standardized Medicare... Read more
Does Medicare Cover Macular Degeneration?
If you are a Medicare beneficiary and have been diagnosed with macular degeneration, you will be relieved to know that Medicare may cover certain diagnostic tests and treatments for age-related macular degeneration. The drugs and services Medicare may cover... Read more
What Medicare Advantage Plans Does UnitedHealthcare Have?
If you are currently enrolled in Original Medicare (Part A and Part B), you may be interested in learning more about Medicare Advantage plans, which may cover Medicare benefits beyond the federal program. Unlike Original Medicare, Medicare Advantage plans... Read more
New to Anthem Medicare? Here’s What You Need to Know
Whether you are looking for Anthem Medicare Advantage plans, Anthem Medicare Part D Prescription Drug Plans, or Anthem Medicare Supplement (Medigap) plans, or if you've recently enrolled in an Anthem Medicare plan, here are some tips to help you... Read more
How Can I Find Healthcare Providers Who Accept Anthem Medicare Plans?
Are you enrolled in an Anthem Medicare Advantage plan or Anthem Medicare Part D Prescription Drug plan? You may be required to use providers and pharmacies who participate in Anthem's network in order to access plan benefits and minimize your... Read more
What Medicare Plans Does WellCare Offer?
Whether you're new to Medicare or exploring your coverage options, Wellcare offers a variety of Medicare plans to suit your needs. To start, it may be helpful to understand the different "parts" of Medicare and how they work together. The Medicare program... Read more
Is a Coventry Medicare Advantage Prescription Plan the Same as a Standalone Medicare Prescription Drug Plan?
If you're unsure about how Medicare Part D prescription drug coverage works with Coventry Medicare Advantage plans and other Coventry Medicare plans, you're not alone. Medicare prescription drug coverage is available under the Medicare program in two... Read more
How to Appoint a Personal Representative to Help File Your Appeals and Grievances
As a Medicare beneficiary, you have the right to request an appeal of decisions made by your Medicare health plan, or to file a grievance about the care or treatment you received from a Humana provider or other provider while you are enrolled in a... Read more
New to Aetna? Here’s What You Need to Know
If you've recently enrolled in an Aetna Medicare plan, this information will help you understand the enrollment process and how to get the most out of your new plan. When will I get information about my Aetna Medicare plan? After you enroll in a... Read more
Medicare Enrollment Periods (Infographic)
You can only enroll, disenroll, or make changes to your Medicare coverage during certain times, so it's important to know when those periods occur. Some Medicare enrollment periods take place when you're first eligible for Medicare. There are also periods... Read more
Does Medicare Cover MRI Scans?
If you're wondering how much an MRI costs for you as a Medicare beneficiary, the answer is that it depends on your situation. However, Medicare may cover your MRI scan; read below to learn about these scans and what portion of the costs you can expect to... Read more
Does Medicare Cover Celexa?
Celexa (generic name: citalopram) is a type of antidepressant medication known as a selective serotonin reuptake inhibitor (SSRI), according to the National Institutes of Health's Medline Plus website. Generally, Original Medicare (Part A and Part B) include... Read more
Does Medicare Cover Hepatitis C Treatment?
If you have hepatitis C and you're on Medicare, you may be wondering if Medicare covers hepatitis c treatment. Medicare may cover a variety of diagnostic services and preventive care for beneficiaries with hepatitis C. Treatment for hepatitis C generally... Read more
Does Medicare Cover Knee Braces?
Patients with osteoarthritis may need to wear a knee brace. Osteoarthritis is caused by wear and tear inside the knee joints, according to the U.S. National Library of Medicine. A knee brace shifts weight off the most damaged part of the knee, reports the... Read more
Does Medicare Cover Adult Diapers?
Original Medicare, Part A and B, doesn't consider adult diapers or other incontinence supplies, such as adult briefs, pads, or liners, to be Durable Medical Equipment (DME) or supplies, and therefore doesn't cover these items. Original Medicare only covers... Read more
Medicare and Dental Coverage Explained
Does Medicare cover dental services? If you’re wondering whether Medicare offers dental coverage, the answer is, “It depends.” Dental coverage is limited under Original Medicare, and you won’t be covered for most routine dental services. However,... Read more
Does Medicare Cover Stair Lifts for the Home?
Various types of durable medical equipment are covered under Medicare Part B. However, equipment and services primarily used for self-help, convenience, or personal comfort don’t fit into Medicare’s definition of medically necessary durable medical... Read more
What Is SilverSneakers?
SilverSneakers is an exercise program specifically designed for older adults with the goal of keeping you engaged and interested through fun and social activities. Enjoyable fitness activities may encourage older adults to stay healthier in the long... Read more
Does Medicare Cover HCTZ/Triametrene?
Original Medicare (Part A and B) typically doesn't cover prescription drugs that you take at home. Most of the time, you'd need a Medicare plan that includes prescription drug coverage to help you cover the costs of prescription drugs like triamterene and... Read more
Does Medicare Cover Elavil?
Original Medicare (Part A and B) does not typically cover prescription drugs like Elavil that you normally would take at home. However, you may be able to get your prescriptions covered if you enroll in a Medicare plan that includes prescription drug... Read more
Does Medicare Cover Aricept?
Aricept, or its generic form donepezil, is a type of prescription drug. According to Medline Plus, a National Institutes of Health website, this drug may be prescribed to treat confusion and other symptoms in Alzheimer’s patients. Aricept uses might include... Read more
What’s the Difference between Medicare and Medicaid?
It might be easy to confuse Medicare and Medicaid. Both are government-administered health-care programs. Both program names begin with the same six letters. It’s worthwhile to know the difference so you can know which program (or both) you may be eligible... Read more
Medigap Rights and Medicare Advantage Plans
In some situations, you may have certain rights to enroll in a Medicare Supplement (Medigap) plan. Typically, outside of your Medigap Open Enrollment Period, insurance companies can deny you coverage or charge you higher premiums if you have health... Read more
What to Do If You’re New to Medicare
I get a lot of calls from people who are close to turning 65 (or are already 65), asking what they need to do to get set up with Medicare. With so many options available to Medicare beneficiaries, it can be overwhelming but once you understand your basic... Read more
Medicare and Veterans Affairs (VA) Benefits
If you have Veterans Affairs (VA) health coverage, you are not required to enroll in Medicare–but it may be a good idea to do so. Signing up for Original Medicare, Part A and Part B, will give you broader coverage when it comes to the doctors, hospitals,... Read more
Does Medicare Cover Cancer Treatment?
Medicare coverage of cancer treatment Medicare Part A and Part B may cover certain cancer treatments for beneficiaries with cancer, including (but not limited to) chemotherapy and radiation therapy. Your Medicare costs will depend on whether you receive... Read more
Plan Your Medicare Health Costs for Retirement
It’s smart to plan ahead for your retirement. Planning health-care costs in particular is important, since those costs may be among the biggest expenses you will have to face after retirement. Learn how to plan for health costs by understanding how much you... Read more
Medicare in Georgia
While shopping for Medicare in Georgia, Medicare.com can assist you with finding a plan that best suits your needs. First, you may want to learn what may be available in your state (however, availability of some Medicare plan options can vary from county to... Read more
Medicare in Illinois
Looking for Medicare insurance in Illinois can be easy with Medicare.com. Let us be your resource for all things Medicare. First, take a look at this overview of Medicare options for people living in Illinois. About Medicare in Illinois Medicare... Read more
Medicare Enrollment Periods
If you’re new to Medicare, you may have a lot of questions about Medicare enrollment and when you can make changes to your Medicare coverage. The answer depends in part on the type of Medicare coverage you’re enrolling in: Original Medicare (Part A... Read more
Medicare Supplement (Medigap) Plans
Original Medicare, Part A and B, pays for many of your health-care services and supplies, but it doesn’t pay for everything. That’s why you may want to consider getting a Medicare Supplement plan, also called Medigap. Unlike Original Medicare, a Medicare... Read more
Customer reviews of Jory
Mr. Jory Cross could not have been more helpful. . He was extremely knowledgeable more so than anyone I have talked to. Based on the information he gave me I definitely will be getting back in touch with him. Thanks Jory!!!
Anonymous, Salem, OH
I wish all representatives and/or people that deal with seniors and the public was as patient and precise as Jory. He is a gem. Thanks for his kindness.
Anonymous, Detroit, MI
Jory was extremely polite and professional. I really didn't know anything about medicare plans and he answered all my questions and led me to the plan that I feel best suits me.
Anonymous, Hemet, CA
Jory was very helpful and provided me with information that I needed.
Female, 75, Ottumwa, IA
I HAD EXCELLENT SERVICE , COULDN'T BE MORE HAPPY.
Female, 66, Aberdeen, MD
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