According to a recent study by the Kaiser Family Foundation, many seniors find the process of selecting a Medicare plan frustrating and confusing. Piecing together the pieces of the Medicare Puzzle can be a challenging experience.
Here are a few reasons why you may want to use the services of an unbiased independent insurance agent specializing in Medicare Supplement products.
There is no charge for the services of a Medicare Supplement insurance agent.
While there are companies that charge people a fee to help them decide which Medicare coverage option suits their needs, you will never pay a fee when working with an independent insurance agent. Your premium is the same whether you purchase your plan directly from the insurance company or through an independent agent.
A Medicare Supplement insurance agent will inform and educate you.
You cannot make an informed decision on a Medicare plan unless you understand how the pieces of the Medicare puzzle work together and understand what your out of pocket costs are, whether you are admitted to a hospital or going to the doctor’s office. A good agent will gladly take the time to educate you on how Original Medicare works along with your options in covering the gaps in Medicare.
A Medicare Supplement insurance agent can save you money.
Medicare Supplement plans are standardize meaning all Medicare Supplement plans with the same letter must offer the same benefits no matter which insurance company sells it.
This means insurance companies can charge different premiums for the same coverage. As an independent agent, I have contracted with the most competitive and well-known Medicare Supplement companies in Colorado.
Note: the plans in Massachusetts, Minnesota, and Wisconsin are standardized in a different way.
A Medicare Supplement insurance agent can save you time while helping you avoid frustration.
If you go to the Medicare.gov website you will find their “Four steps to buy a Medigap (Medicare Supplement) policy”
Step 1 – Decide which benefits you want, then decide which of the Medigap plans A–N meet your needs.
Medicare alone will not cover all your healthcare expenses. Do you know why Plan G could be a better option than Plan F?
Step 2 – Find out which insurance companies sell Medigap policies in your state.
This one is easy you can go to the Medicare.gov website and find that information.
Step 3 – Learn about the insurance companies that sell the Medigap policies you’re interested in and compare costs.
This step is a little harder in Mesa County (Grand Junction, CO area):
38 companies offer Plan F with monthly premiums varying by over $130.00 per month.
21 companies offer Plan G with monthly premiums varying by over $80.00 per month.
30 companies offer Plan N with monthly premiums varying by over $75.00 per month.
Do you want to spend the time calling all these companies individually?
As an independent Medicare Supplement insurance agent, I will provide you with the premiums, AM Best Ratings, and rate increase history for all these companies, which will enable you to make an informed decision.
Step 4 – Buy the Medigap policy
I will help you fill out the application and submit the application for you.
Medicare Made Easy
Whether you are new to Medicare and looking for someone to explain things in plain English or have had a Medicare plan for years and want to know if you may be paying too much, I am here to help.
I specialize in Medicare products for seniors and represent all Medicare Supplement Plan types.
Medicare Explained in Plain English