The fact that there are an abundance of insurance plans available is only beneficial if you’re able to determine your unique needs and compare those needs against benefits contained within multiple and varied insurance plans. In order to achieve the selection of an optimal plan for you, it is often helpful to seek the services of a licensed broker who specializes in Medicare.
While a representative from a specific insurance company may be licensed to sell you a particular plan, keep in mind that if they only represent one company they only understand and believe in that one product. Local health insurance general agencies have licensed brokers who are trained experts and certified to represent a multitude of plans in your area. Seeking the advice of a trained broker who specializes in Medicare plans allows you to relate your needs and circumstances to someone who knows what types of plans are available in your area and can professionally recommend appropriate coverage to suit your specific situation.
Remember, that one of the most important things to discover before making your selection is which insurance plans your doctor accepts.
A plan may not serve your specific needs if your doctor does not accept it, and doctors are not required to accept every plan.
In addition, by securing a plan through a broker you are in turn getting an advocate, meaning that if insurance issues or circumstances should arise that require assistance, your broker is able to help with the resolution of your issue. Enrolling directly with a plan leaves you, and you alone, to communicate with the plan’s customer service department and all of the answering system queues that often go along with that.
No matter how you make your Medicare coverage selection, it is often useful to review your plan options annually as plan benefits can change from year to year and what worked for you one year may not in the next. If you’re already on Medicare, you may want to mark your calendar now to remember to review your plan options sometime in early October. Typically, the Annual Medicare Open Enrollment Period, where you can make a plan change without penalty, is October 15th – December 7th.
Article Provided by: Lance Ghiorso,
Connexion Insurance Solutions