Tommy Scarlett – Insurance Broker with Beacon Group

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Your Knoxville, Tennessee Medicare Experts!

Tommy Scarlett

Tommy Scarlett has been in the insurance business since 1999. He is a graduate of East Tennessee State University. He specializes in helping people with Medicare Supplements, Medicare Advantage Plans, and Prescription Drug Plans.

Figuring Out Medicare is Stressful!

  • Do you understand all four parts of Medicare?
  • Do you understand the different "enrollment periods" and how they can effect you (for example: Annual Enrollment, Open Enrollment, Guarantee Issue, and Disability Eligibility)?
  • Do you understand the difference between a Medicare supplement vs. an Advantage Plan?
  • Do you know how to choose the best Medicare supplement for you and your situation?
  • Have you planned for long-term care and final expenses?
  • Have you considered how you should protect your assets?

We Make It Easy

Our goal is to help you get the coverage you want and need. That begins with LISTENING to you. Afterwards, we work through the different medicare plans as well as RESEARCH your doctors and the drug plans to make sure they are included. Finally, we meet with you and EXPLAIN YOUR OPTIONS so that YOU can make the best decision for yourself.

All of our agents are trained and qualified, and over half are senior citizens themselves advising you from both knowledge AND experience. We are glad to help you get answers to your medicare questions.

Original Medicare vs. Medicare Advantage

Original Medicare and Medicare Advantage each have their own set of benefits. Do you know which one is right for you? For example, with Original Medicare you will need Parts A, B and possibly D (see Drug Plans below) while Medicare Advantage puts everything in one policy. Medicare Advantage may cost less in the short term but more in the long term. There are many factors to consider.

Do You Need a Drug Plan? (Part D)

Joining a Medicare drug plan is completely optional, but there are factors that you should definitely consider as to whether you need one. For example, waiting until later to join a Medicare drug plan can result in higher premiums. It is important for you to understand how the drug plans work and what they cover.

Did you know that Your Guide to Medicare Prescription Drug Coverage from is 83 pages? 17 pages are just about the different coverage choices.  22 pages are about how the coverage works. Let the Beacon Group take the stress out of understanding your choices and how it works. We can explain it in easy-to-understand terms so you can make the best choice for you.

Medicare Supplements (Parts G, K, L, M, N)

Original Medicare (Parts A & B) provides the minimum coverage that you need. With original Medicare, huge out-of-pocket medical bills are not covered such as copays and deductibles for hospital visits, doctor visits, preventative care, and more. A Medicare supplement insurance policy ("Medigap") is private medical insurance that helps cover the costs that Medicare doesn't.

There are five different Medigap choices, each with different benefits. We are glad to help you understand the differences.

Dental and Vision Insurance

Caring for your teeth and eyes is important.  Some Medicare plans include dental and vision coverage while others do not.  Figuring out your dental and vision plan in conjunction with your Medicare plan can be confusing and stressful.  Let us take the stress out of finding the right one for you.

Our Goal: Serving You

Located in Knoxville, Tn., just 30 minutes from the beautiful Smoky Mountains, the Beacon Group was established in 2007. Their goal has always been to use their over 100 years of combined experience to provide retirees with accurate, down-to-earth information about their insurance needs such as Medicare (all 4 parts), Medicare supplements, long-term care, life insurance, asset protection and final expense.


Services / Products

Services / Products
  • Medicare Advantage
  • Medicare Supplements
  • Dental Insurance
  • Vision Insurance


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