James Johnson | Licensed Insurance Producer

About James Johnson

An independent producer working for you, not the insurance company

My name is James Johnson, and I'm a licensed life and health insurance producer serving clients across Mississippi, Tennessee, Alabama, and Georgia. Unlike a captive agent who represents only one company, I operate as an independent producer — contracted with multiple insurance carriers across life and health lines.

That independence is your advantage. I have the flexibility to shop across carriers, compare plans side by side, and recommend the coverage that genuinely fits your situation — not just what's available on one company's shelf.

Whether you're a family looking for affordable term life coverage, an individual navigating health insurance options, or a Medicare beneficiary trying to understand your choices during Open Enrollment, I'm here to guide you through every step with clear, honest advice.

Johnson & Johnson Agency LLC is not affiliated with or endorsed by any specific insurance carrier, nor is it affiliated with Johnson & Johnson the consumer products company. As an independent agency, we represent the interests of our clients above all else.

About working with a producer: Working with an independent producer typically costs you nothing extra. Producers are compensated by insurance carriers when a policy is issued — meaning you receive professional guidance at no direct charge to you.

Multiple

Top-Rated Carrier Contracts

Life & Health

Full Product Portfolio

MS · TN
AL · GA

Licensed Service Area

Cost for Producer Services

Products & Services

Coverage solutions for every stage of life

Life Coverage

Term Life Insurance

Affordable coverage for a set term — 10, 20, or 30 years. Ideal for income replacement, mortgage protection, and providing for your family during key financial years.

Life Coverage

Whole Life Insurance

Permanent life coverage with a cash value component that grows over time. A long-term asset you can borrow against while providing lifelong protection for loved ones.

Medicare · Part C

Medicare Advantage

Medicare Advantage (Part C) plans are offered by private insurers approved by Medicare. I'll help you compare networks, cost-sharing structures, and plan options available in your area.

Medicare · Medigap

Medicare Supplement

Medigap plans work alongside Original Medicare to help cover out-of-pocket costs like copays and coinsurance. I'll explain every standardized plan letter so you choose with confidence.

Health Coverage

Health Insurance

Individual and family health plans including ACA Marketplace options and other health coverage for those who need coverage outside of Medicare or employer-sponsored plans.

Supplemental

Ancillary Coverage

Dental, Vision, and Hospital Indemnity plans that fill in the gaps left by primary coverage — protecting your budget from everyday and unexpected healthcare costs.

Medicare Expertise

Navigating Medicare so you don't have to

Medicare involves multiple parts, plan types, and enrollment windows. Understanding the critical difference between Original Medicare and private Medicare plans is the foundation for making the right coverage decision.

Original Medicare vs. Medicare Advantage — A Critical Distinction

Original Medicare (Parts A & B) — Federal Program

Original Medicare is administered directly by the federal government through CMS. It has two parts:

Part A (Hospital Insurance) — covers inpatient hospital care, skilled nursing facility care following a qualifying hospital stay, hospice care, and some home health services.
Part B (Medical Insurance) — covers outpatient care, doctor visits, preventive services, lab tests, and durable medical equipment. Part B has a standard monthly premium, annual deductible, and 20% coinsurance on most covered services.

Original Medicare does not include routine dental, vision, hearing, most prescription drugs, or an out-of-pocket maximum.

Medicare Advantage (Part C) & Supplement — Private Plans

Medicare Advantage and Medicare Supplement are private insurance products, not government programs:

Medicare Advantage (Part C) — a private plan approved by Medicare that delivers your Part A and Part B benefits through the insurer. Benefits, premiums, networks, and cost-sharing are determined by the plan and can change annually.
Medicare Supplement (Medigap) — secondary insurance that works alongside Original Medicare, helping cover deductibles, coinsurance, and copayments. Does not replace Medicare.

These are private insurance products — not administered by the federal government. Plan availability, benefits, and premiums vary by carrier, county, and year.

Important: Medicare Advantage plans are not the same as Original Medicare. When you enroll in a Medicare Advantage plan, your benefits are delivered by a private insurance company under contract with Medicare — not directly by the federal government. Benefits, premiums, and networks can change each year.

Medicare · Part C

Medicare Advantage

A private plan approved by Medicare that delivers Part A and Part B benefits. I'll help you compare options available in your specific county — including networks, cost-sharing, and plan features. Plans vary significantly by location and carrier.

Medicare · Medigap

Medicare Supplement

Secondary insurance that supplements Original Medicare by helping cover deductibles and coinsurance. Plans are standardized by letter; I'll explain each letter and compare pricing across carriers in your area.

Part D

Prescription Drug Coverage

Stand-alone Part D drug plans are available through private insurers for those on Original Medicare. Each plan has its own formulary, premiums, and covered pharmacies. I can help you review options based on your medications.

Guidance

Enrollment Period Support

Missing an enrollment window can result in permanent late penalties. I help clients understand their Initial Enrollment Period, Annual Election Period, and Special Enrollment Period options — and act at the right time.

CMS Compliance Notice I am a licensed insurance producer. I am not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information. This is a solicitation for insurance. Calling the number on this page will connect you to a licensed insurance producer. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in a plan depends on the plan's contract renewal with Medicare. Not all plans available in all areas. Plan benefits, premiums, and networks vary by location and are subject to change annually. Medicare beneficiaries may also enroll in Medicare Advantage and Part D plans through the CMS Medicare Plan Finder at medicare.gov.

How It Works

Getting covered is simpler than you think

Reach Out

Fill out the contact form, send an email, or call. Tell me a little about yourself and what type of coverage you're looking for. No pressure, no commitment.

Free Consultation

We'll schedule a no-cost conversation where I learn about your health needs, budget, and preferences. For Medicare inquiries, a Scope of Appointment will be completed prior to our meeting as required by CMS — no Medicare plan discussion occurs before that form is signed.

Plan Comparison

I shop across my carrier contracts to find options that fit. I'll present a clear side-by-side comparison so you can make an informed choice — never a pressure sale.

Enroll & Stay Protected

Once you've chosen a plan, I handle the enrollment process. I stay available after the sale for questions, annual reviews, and any changes life brings your way.

Contact Me

Let's find the right plan together

Ready to explore your options?

I offer free, no-obligation consultations for all products. Reach out by form, email, or phone and I'll respond within 1 business day to schedule a time that works for you.

info@jamesjohnsoninsurance.com (228) 357-4444 Mississippi, Tennessee, Alabama & Georgia
Serving clients by phone, video, and in-person

Scope of Appointment — Medicare Inquiries:
For any discussion of Medicare Advantage or Part D plans, a Scope of Appointment (SOA) form is required prior to our meeting, as mandated by CMS guidelines. The SOA will be sent to you and must be completed and documented before any Medicare plan discussion takes place.

Important Disclosure: Submitting this form is a request for information about insurance products only. Submission does not constitute enrollment in any plan and does not obligate you to purchase coverage. Your information will not be sold or shared with third parties.

First Name

Last Name

Email Address

Phone Number

Insurance Type I'm Interested In

Medicare Scope of Appointment Required: Before we can discuss Medicare Advantage or Part D plans, CMS guidelines require that a Scope of Appointment (SOA) form be completed. By submitting this form, you acknowledge that a SOA will be sent to you and must be completed before any Medicare plan discussion takes place.

I understand a Scope of Appointment is required before any Medicare plan discussion.

State

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Protecting what matters most with the right coverage