Upper Cumberland Life & Health

Upper Cumberland Life & Health Call today!

Assisting the Upper Cumberland Region with their insurance & investment needs, we offer services from our Certified Senior Advisors (CSA), Registered Social Security Analysts (RSSA), & Certified American Medicare Disability Advocates (AMDA).

Twenty-one hospitals and health systems have dropped Medicare Advantage contracts so far this year. The reasons are cons...
09/01/2026

Twenty-one hospitals and health systems have dropped Medicare Advantage contracts so far this year. The reasons are consistent: prior authorization denials and slow reimbursement from insurers.

Here’s what that means for you: a plan that covers your hospital in January can lose that hospital by August. If it happens mid-year, you may qualify for a Special Enrollment Period to switch, but only if you know to look for it.

This is exactly why I tell clients to review their plan every year instead of enrolling once and forgetting about it. Not sure if your hospital is still in network on your plan? Message me and I’ll check!

Fun fact Friday: Medicare’s first cardholder wasn’t just anyone.When President Johnson signed Medicare into law on July ...
08/30/2026

Fun fact Friday: Medicare’s first cardholder wasn’t just anyone.

When President Johnson signed Medicare into law on July 30, 1965, he did it at the Harry S. Truman Library in Independence, Missouri, and handed the very first Medicare card to Truman himself. Card number two went to his wife, Bess.

It was a deliberate move. Truman had pushed for national health insurance for the elderly all the way back in 1945, twenty years before Medicare existed, and Congress shot him down. Johnson wanted him in the room when it finally happened. Truman, then 81, called it “a profound personal experience.”

Medicare’s Annual Enrollment Period runs October 15 through December 7. If your plan changed its costs, drug list, or ne...
08/29/2026

Medicare’s Annual Enrollment Period runs October 15 through December 7. If your plan changed its costs, drug list, or network this year, this is your window to switch.

Most people keep the same plan every year because switching feels like a hassle. Then January hits and their pharmacy isn’t in network, or the premium jumped $40 a month.

We sit down with clients one-on-one and walk through their plan so they actually understand what they have and what’s changed. Not a quick call. A real conversation.

If you want that before AEP gets busy, message me or call the office! We’re right here in Cookeville.

Medicare News!CMS Administrator Dr. Oz says drug prices dropped 3.1% in July — the fastest drop in 63 years. The reason:...
08/27/2026

Medicare News!

CMS Administrator Dr. Oz says drug prices dropped 3.1% in July — the fastest drop in 63 years. The reason: 17 drug companies (85% of the market) agreed to charge Americans the same low prices they already charge in other countries. One example: GLP-1 weight-loss drugs went from over $1,000 a month to $50 for eligible Medicare beneficiaries.

That's a real win. But these are deals with individual companies, not one big rule covering everyone — so it's worth watching whether the savings stick around or fade once the spotlight moves on.

It’s almost that time of year. Come see us at one of our festivals! We love connecting with our community & meeting peop...
08/25/2026

It’s almost that time of year. Come see us at one of our festivals! We love connecting with our community & meeting people’s needs.

See you soon!

You can be talented, intelligent, well-connected, and full of great ideas, but without follow-through, much of that pote...
08/23/2026

You can be talented, intelligent, well-connected, and full of great ideas, but without follow-through, much of that potential never turns into anything tangible. Follow-through is critical because ideas and intentions don’t create results—completed actions do! If you want to position yourself ahead of 88% of your peers, always follow up & follow-through!

Upper Cumberland Life & Health is collecting purses for the upcoming 9th Annual Handbags for Hope Auction. The proceeds ...
08/21/2026

Upper Cumberland Life & Health is collecting purses for the upcoming 9th Annual Handbags for Hope Auction. The proceeds from the auction benefit The Genesis House (our local domestic & sexual violence shelter). This is a super easy way to make a difference in survivor’s lives!

Please help us make this year’s contribution the best yet by donating your new or gently used purses at the following location:

Upper Cumberland Life & Health
1435 S Jefferson Avenue
Suite D
Cookeville, TN 38506

We appreciate you!!

Congratulations Kate Lewis!Kate Lewis of Upper Cumberland Life & Health now serves on the Civic Engagement Committee of ...
08/21/2026

Congratulations Kate Lewis!

Kate Lewis of Upper Cumberland Life & Health now serves on the Civic Engagement Committee of the Cookeville Junior Women’s Club. The CJWC is part of the General Federation of Women’s Clubs, the oldest volunteer service organization in the nation.

We’re proud to see Kate stepping up to serve our local community in this way. Congratulations, Kate!

Did you know Medicare generally does NOT cover routine transportation to your doctor’s appointments?Original Medicare Pa...
08/18/2026

Did you know Medicare generally does NOT cover routine transportation to your doctor’s appointments?

Original Medicare Part B may cover ambulance transportation when other transportation could endanger your health—and, in certain limited situations, may cover medically necessary non-emergency ambulance transportation.

Some Medicare Advantage plans, however, may offer transportation benefits beyond what Original Medicare covers.

💡 The important part: Never assume a ride to an appointment is covered. Check your specific plan benefits first.

Medicare has a lot of little rules like this—and knowing them before you need them can make a big difference!

DID YOU KNOW? MEDICARE & EMERGENCY CAREIf you have Original Medicare, you can generally receive emergency care anywhere ...
08/16/2026

DID YOU KNOW? MEDICARE & EMERGENCY CARE

If you have Original Medicare, you can generally receive emergency care anywhere in the United States from a hospital that accepts Medicare.

But here’s something many people don’t realize:

✈️ Medicare usually does NOT cover health care when you’re traveling outside the U.S. There are only a few limited exceptions.

Some Medicare Supplement (Medigap) plans provide a foreign travel emergency benefit, and some Medicare Advantage plans may offer worldwide emergency or urgent-care coverage.

🌎 Planning a trip? It’s worth checking your coverage before you pack your bags.

Questions about how your Medicare coverage works when you travel? Give us a call—we’re happy to help.

Address

1435 South Jefferson Avenue Suite D
Cookeville, TN
38506

Opening Hours

Monday 10am - 4pm
Tuesday 10am - 4pm
Wednesday 10am - 4pm
Thursday 10am - 4pm
Friday 10am - 4pm

Telephone

+19313161182

Website

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