Shawn Ray — Medicare Supplement Agent
Contact Shawn Ray using the Contact Agent button below to get help with your policy today!
Shawn Ray
Shawn Ray Insurance
(435) 244-2001
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Shawn Ray is an independent Medicare insurance broker helping individuals and families understand Medicare Advantage, Medicare Supplement, and Part D prescription drug coverage. He works with people who are turning 65, reviewing annual Medicare plan changes, dealing with prescription or provider concerns, or trying to lower unexpected healthcare costs. Unlike agents who focus only on enrollment, Shawn provides personal, year-round Medicare support to help clients compare options, solve coverage problems, and feel confident about their Medicare decisions.
Please mention you found me on Medicare Agents Helpline to help support more kids with cancer ❤️
Products Offered:
Medicare Supplement, Medicare Advantage, Life Insurance, Health Insurance, Final Expense, Dental Plans, Cancer/Heart/Stroke
States Serviced
Alabama, Arizona, Delaware, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Michigan, Missouri, New York, North Carolina, Ohio, Oregon, Utah, Pennsylvania, South Dakota, Texas, Washington
Frequently Asked Questions
No. There is no fee to speak with me or have me review your Medicare insurance options. As an independent Medicare insurance broker, I help you compare available Medicare Advantage, Medicare Supplement, and Part D prescription drug plans. If you enroll through me, I may receive a commission from the insurance company. My goal is to help you understand your coverage and choose a plan that fits your healthcare needs and budget.
Medicare Advantage (Part C) is an alternative way to receive your Medicare Part A and Part B benefits through a private insurance company. Many plans include prescription drug coverage and additional dental, vision, or hearing benefits. Medicare Supplement (Medigap) works with Original Medicare to help pay certain out-of-pocket expenses. Medigap generally doesn't include prescription drug coverage. I can help you compare the differences, including premiums, doctor access, and expected medical costs.
Most people have a seven-month Initial Enrollment Period that begins three months before the month they turn 65, includes their birthday month, and ends three months afterward. Enrolling on time can help prevent coverage gaps and late enrollment penalties. Some people with qualifying employer health insurance may be able to delay Medicare Part B. I can help you understand your Medicare options and enrollment timing.
Yes. I'm an independent Medicare insurance broker based in Grantsville, Utah, and I'm licensed to assist clients in many states. You don't need to live near my office to receive personal service. I offer Medicare insurance consultations by phone and help clients compare available plans in their ZIP codes. You'll work directly with me rather than a large call center. Call or text 435-244-2001, or schedule an appointment at shawnrayinsurance.com/calendar to see how I can help.
Start by checking whether your primary care doctor, specialists, and preferred hospitals participate in the exact Medicare Advantage plan you're considering. Doctor networks can vary between plans, even when they're offered by the same insurance company. I help clients compare available Medicare Advantage plans and check provider networks, prescription coverage, copayments, and other benefits before making an enrollment decision.
Medicare prescription drug coverage is available through standalone Part D plans and most Medicare Advantage plans. Each plan has its own covered drug list, pharmacy network, and medication costs. I can help you review your prescriptions, dosages, and preferred pharmacy to compare available plans and estimate your medication expenses. Checking your prescriptions before enrollment can help prevent unexpected costs.
Original Medicare generally doesn't cover routine dental care, dentures, eyeglasses, or hearing aids, although certain medical exceptions apply. Some Medicare Advantage plans include additional dental, vision, and hearing benefits. Coverage for dentures, crowns, glasses, and hearing aids varies by plan and may have limits. I can help you compare available plans and understand which services are included before you enroll.
Medicare's Annual Enrollment Period runs from October 15 through December 7 each year, with changes generally effective January 1. If you're already enrolled in Medicare Advantage, you can generally make one permitted change during the Medicare Advantage Open Enrollment Period from January 1 through March 31. Certain life events may also qualify you for a Special Enrollment Period. I can help you understand your available options and enrollment deadlines.
Yes. If you're eligible for Medicare but your spouse is under 65, your spouse may qualify for health insurance through the Affordable Care Act (ACA) Marketplace or an employer. Some households may also qualify for Marketplace premium tax credits based on income and other eligibility rules. I help individuals and couples review Medicare and ACA coverage options so both spouses can maintain appropriate health insurance.
You may qualify for a Dual Eligible Special Needs Plan (D-SNP) if you have Medicare Part A and Part B and meet the plan's Medicaid eligibility requirements. Some plans accept certain Medicare Savings Program categories, such as QMB or SLMB, while others require full Medicaid benefits. Depending on the plan and your eligibility, additional benefits may include dental, vision, transportation, or OTC allowances. I can help you review available D-SNP options in your area.
Articles & Insights from Shawn Ray
Health Insurance
Oct 11, 2026
Turning 65 but Your Spouse Isn't? Medicare & ACA Coverage Explained
Turning 65 while your spouse is under 65? Learn how Medicare and ACA health insurance work together, how your spouse can stay covered, and what happens to Marketplace subsidies.
Medicare Advantage
Oct 11, 2026
Who Qualifies for a D-SNP in 2027? Medicare & Medicaid Guide
Who qualifies for a D-SNP in 2027? Learn Medicare and Medicaid eligibility rules, QMB and SLMB differences, extra benefits, and how to find a plan.
Medicare Advantage
Oct 11, 2026
Does Medicare Cover Dentures in 2027? Full & Partial Denture Guide
Does Medicare cover dentures in 2027? Learn which Medicare Advantage plans may cover full or partial dentures, what you could pay, and how to check your benefits.
Medicare Advantage
Oct 11, 2026
My Doctor Is Out of Network in 2027: What Medicare Advantage Members Can Do
Is your doctor leaving your Medicare Advantage network in 2027? Learn how to check your coverage, avoid surprise bills, and explore your Medicare options.
Medicare Advantage
Oct 11, 2026
If I Have TRICARE, Do I Need Medicare in 2027?
Find out if you need Medicare when you have TRICARE in 2027. Learn how TRICARE For Life, Medicare Part B, and Medicare Advantage work together.
Medicare Advantage
Sep 25, 2026
Medicare Advantage Plan Changes for 2027: What You Need to Know
Medicare Advantage plans can change or leave an area for 2027. Learn what to review, important enrollment dates, and how to compare your Medicare options.
Medicare Advantage
Sep 17, 2026
Medicare Advantage Prior Authorization in 2027: What to Know Before You Choose a Plan
Medicare Advantage prior authorization can affect tests, treatments, medications, and other care. Learn what to check during Medicare AEP 2027 and what to do if a request is denied.
Medicare Advantage
Sep 17, 2026
Do I Need to Change My Medicare Plan During AEP? What to Check for 2027
Medicare AEP 2027 doesn’t automatically mean you need to change plans. Learn what to review first, including doctors, prescriptions, medical costs, plan changes, and extra benefits before deciding whether to stay or switch.
Medicare Advantage
Sep 17, 2026
What Happens If Your Medicare Advantage Plan Leaves Your Area in 2027?
If your Medicare Advantage plan is leaving your area in 2027, you still have options. Learn what happens next, when you can change coverage, and what to check with doctors, prescriptions, costs, and Medicare Supplement rights.
Prescription Drug Plans
Sep 17, 2026
Medicare Drug List Changes for 2027: What to Check
Medicare drug coverage can change from year to year. Learn what to check for 2027, including formularies, drug tiers, pharmacy networks, prior authorization, deductibles, and prescription costs.
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