Who Can Help Me Choose a Medicare Plan?

Are you finding it burdensome to wrap your head around the Medicare plan options available to you and deciding on which plan to choose? You’re not alone in this – each day 10,000 people turn 65 and become eligible for Medicare benefits. It can be hard to know the most important considerations that guide Medicare coverage choices. However, you can contact a local Medicare insurance agent to help you understand your options and enroll in a Medicare plan that suits your needs. Here are the advantages of consulting with a local Medicare insurance agent.

1. Local Medicare Insurance Agents Offer Valuable Information and Resources

Though most individuals generally become eligible for Medicare at age 65, it can be overwhelming to navigate plan options, plan costs, plan structures for how and where you receive care and make your choice before enrollment deadlines. It’s important to choose suitable coverage and enroll on time during the correct enrollment period to avoid incurring any penalties or gaps in coverage. A local Medicare insurance agent can help explain Medicare guidelines, provide up-to-date information on regulations and costs and provide resources about plans you’re interested in. They can also assist you by explaining the difference between Original Medicare and Medicare Advantage, and the benefits and disadvantages to each. Original Medicare is the government-mandated health insurance plan that is further categorized into Part A and Part B. Part A covers hospital coverage needs while Part B covers outpatient and other medical situations. Medicare Advantage (also known as Medicare Part C), on the other hand, includes plans offered by private insurance companies.

2. Medicare Insurance Brokers Help You Understand Your Coverage Options

Medicare insurance brokers cannot charge you for enrolling in any Medicare plan since it is mandated that their services are free. Why pay for a Medicare consultation or advice, when a local free resource is already available to you in the form of a Medicare insurance agent? They’re compensated for their work by insurance companies, and so their time and knowledge is free to the people they serve. When you enroll in Medicare by yourself without the help of an insurance broker, you will pay the same rates you would have paid had you consulted a Medicare insurance broker. Given that you will get more information and personalized assistance from a Medicare insurance broker, it is helpful to engage their services when you’re approaching eligibility for Medicare enrollment.

3. Medicare Insurance Agents Help You Save Time

It’s crucial to select a Medicare plan within your budget that still covers all your needs, and enroll on time before your specific initial or annual enrollment deadline. You can imagine how long it would take you to understand your options, analyze the advantages and drawbacks of available plans in your area and compare your top choices for Medicare coverage options before choosing the one most suited to your situation. You don’t want to spend a lot of your time researching different Medicare plans, only to end up with a plan that doesn’t cover all your needs effectively or be surprised later on with unanticipated costs or coverage gaps. Your local Medicare insurance agent will provide valuable, efficient assistance with exploring your options, and can offer detailed resources on plans you’re interested in that fall within your budget.

4. Local Agents Provide One-on-One Medicare Plan Reviews and Ongoing Customer Service

Since Medicare plan options vary by region, undoubtedly one of the biggest benefits of consulting with a local Medicare insurance agent is their in-depth knowledge of plans in your area. After providing one-on-one assistance to help you enroll in a suitable Medicare plan, your relationship with your Medicare broker does not end there. Medicare insurance agents can keep an eye on any changes to your Medicare coverage or annual plan costs, and help you make adjustments when necessary. For example, not only may plan premiums, deductibles and copayments may change from year to year, but approved network providers, service areas and drug formularies could also change as well. Whether you’re working past 65 or enjoying your retirement, it may be hard to keep tabs on these types of plan updates. A Medicare insurance broker can update you when policy changes that affect your Medicare plan are rolled out.

Though choosing your Medicare coverage can be a difficult choice, it’s not a decision you have to make alone. At Medicare Portal, we can offer you the personalized one-on-one assistance you need to reduce your stress and save time as well as money when choosing your Medicare plan. Contact us today to consult with our local team of experienced Medicare insurance agents.


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