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Your initial knowledge about Medicare may come from the internet, family, or friends. However when it comes to actually choosing a plan. Or the numerous available options, each with its own set of rules that may change from year to year. It can make things confusing and often overwhelming too.
In such a situation, having an expert to guide and help you. As well as navigate the world of Medicare has its undeniable advantages. If you’re also struggling with Medicare, in any way, our Medicare agents are here to assist you.
While our agents can help you with anything regarding Medicare, here are some of the most important things they can assist you with:
1. Understanding Medicare
It’s impossible to navigate Medicare without properly understanding the available options, their rules, benefits, costs, and limitations. And let’s face it, it’s much easier said than done. Medicare is a complex web of health insurance plans and combinations, all of which can be quite a struggle to understand without the help of an expert.
Our Medicare agents have not only been working in the industry for several years, but they also have to pass a knowledge test every year to continue to do their job. They know Medicare like the back of their hand, so you can rest assured to get the right knowledge on everything Medicare-related.
2. Review Health Plans and Choose the Best One
Health insurance policies do not come cheap. Even when you’re enrolling in Medicare, the premiums, copays, and other out-of-pocket costs can add up and make your health insurance expensive. Therefore, it only makes sense that you want to get one that best meets your needs.
We are independent Medicare agents, which means we’re not associated with any particular health insurance company. Our Medicare experts can help you review multiple federal health insurance plans and assess their pros and cons to find the best option that meets both your health and financial needs.
3. Evaluate Current Coverage
It’s a common misconception that Medicare agents can only help those who’re just turning 65 and enrolling in Medicare. We can be of great help to those already enrolled in Medicare too. Since many Medicare plans are reviewed and revised every year, our agents can help you ensure that your plan continues to meet all your needs. If your plan doesn’t fulfill your needs anymore, our agents can provide you with better alternatives and will also help you switch to a new plan.
4. What to do If You Have Missed Your Enrollment Date?
Missing the initial enrollment window for Medicare can be a grave mistake. But, with a knowledgeable and experienced agent at your service, you can be assured of finding a solution. Our Medicare agents can help determine if you qualify for a Special Enrollment Period or will have to wait for the General Enrollment Period to sign up for Medicare. Moreover, they can also help figure out if you will be subject to any penalty for missing your initial enrollment window.
5. Figure Out Out-of-Pocket Expenses
Even though Medicare is a federal health insurance program, it doesn’t come for free. There are certain out-of-pocket costs for different Medicare plans, which a lot of people struggle to figure out beforehand. Our Medicare experts can help you with it.
We can help you determine how much you can expect to pay from your pocket for different Medicare plans in terms of premiums, deductibles, copays, etc. Save yourself from surprises and work with our reliable Medicare agents to know all the associated costs before you enroll in a plan.
6. Medical Underwritings
Those who want to enroll in Medicare Supplement outside of the open enrollment period may have to go through the process of medical underwriting to figure out if they qualify for a plan and what their premium would be. Our experienced Medicare agents can save you from unnecessary trouble by helping you know if you will pass the underwriting process for the particular Medigap plan you’re considering and how much your premium will likely be.
Our Medicare Agents Can Save You Time and Effort
There are numerous benefits of working with an independent Medicare agent or broker. But, it all comes down to the fact that they can save you plenty of time and effort by speeding up the entire research, evaluation, and enrollment process while also ensuring that you find the best option according to your health and financial needs. So, what are you waiting for?
Get in touch with us at your earliest to simplify your Medicare journey and make it more efficient.