Elizabeth Hobdy Jones and husband Brad Jones serve the local community with their insurance expertise. In this Q&A, Elizabeth shares how they take the overwhelm out of navigating Medicare.
You and your husband, Brad, founded TN Medicare Concierge. What inspired you to launch the one-stop shop for the local 65+ community?
Brad and I have spent our entire lives in Gallatin, and serving this community has always been more than a career — it's personal. After years of helping families protect what matters most through home, auto, life and business insurance, we realized there was a huge need for trusted, local guidance when people became eligible for Medicare.
That's why we founded TN Medicare Concierge. We wanted to offer a true concierge experience — one where education comes first, every recommendation is personalized and our clients know they'll always have a local team to call long after enrollment is complete.
Navigating Medicare can be overwhelming. How does your agency guide local seniors through it with personalized care?
No two people are alike, so we don't believe Medicare should be approached with a one-size-fits-all mindset.
Our first conversation isn't about selling a plan — it's about getting to know the person sitting across from us. We learn about their doctors, prescriptions, travel habits, budget, health concerns and future goals before discussing any options.
From there, we compare plans from multiple carriers and explain everything in plain language. We encourage questions and take as much time as needed because we believe understanding your coverage is just as important as choosing it.
For someone completely new to this transition, what is a common misconception people have about “Original Medicare?”
One of the biggest misconceptions is that Medicare covers everything once you turn 65.
In reality, Original Medicare covers many important medical services, but it doesn't cover everything. Many people are surprised to learn that routine dental care, vision exams, hearing aids and many prescription drug costs are not automatically included. Others don't realize there are deductibles, coinsurance and out-of-pocket expenses that can add up quickly without additional coverage.
Our job is to educate — not scare people. Once someone understands where those gaps exist, we can help them find a plan that protects both their health and their retirement budget.
With constant shifts in healthcare policies and drug coverage, how does TN Medicare Concierge serve as a long-term liaison for clients, ensuring their plans continue to serve them well?
Every year during Medicare's Annual Enrollment Period, we proactively review our clients' coverage to make sure it still fits their needs. Prescription formularies change, provider networks evolve and new plans become available each year.
Instead of expecting our clients to keep up with all of those changes themselves, we do that work for them.
Beyond finding the right policy, what does it mean to your agency to build long-term relationships with your clients here in the Gallatin community?
Many of our clients become friends. We run into them at church, the grocery store, local restaurants and community events. Their children become our clients, and before long we're helping multiple generations of the same family.
That level of trust is something we never take for granted.
Can you share a moment or a piece of feedback from a local neighbor that reminds you why you take this responsibility so personally?
One of the greatest compliments we receive is when someone tells us, "I finally understand my Medicare."
Is there anything else you’d like readers to know?
If you're approaching Medicare eligibility — or even if you've been on Medicare for years — you don't have to navigate it alone.
At TN Medicare Concierge, our mission is simple: to educate, advocate and serve our community with honesty, integrity and compassion.
TNMedicareConcierge.com | 615.527.4633
We wanted to offer a true concierge experience — one where education comes first, every recommendation is personalized and our clients know they'll always have a local team to call long after enrollment is complete.