Medicare is a federal health insurance program for people who are 65 years of age or older, or for those who have certain disabilities. While the program itself is designed to help individuals get the care they need, it can be challenging to navigate on your own. That’s where an independent agent can be of assistance. In this blog, we’ll discuss the benefits of using an independent agent for Medicare assistance and finding coverage. We will also cover how an independent agent can help you make informed decisions about your healthcare.
5 Key Benefits:
1. Compare Medicare Plans and Carriers
One of the primary benefits of using an independent agent for Medicare is that they have access to multiple plans and carriers. They are not tied to one insurance company, they work with multiple carriers in your area to find coverage that best suits your needs. They can help you compare Medicare Advantage plans, Medicare Supplement plans and Part D Prescription drug plans. This can save you time and money in the long run, as well as ensure you received unbiased help. If you go directly to a carrier, then they are only presenting their plans.
2. Personalized Service
Independent agents work for you, not the insurance company. This means they are there to provide personalized service and help you make informed decisions about your healthcare. Independent agents can explain the various Medicare coverage options available, answer any questions, assist you with enrollment timelines, verify doctors and prescriptions are covered, and help choose a plan that fits your needs and budget.
3. Ongoing Medicare Support
An independent agent doesn’t just help you choose a plan and walk away. They provide ongoing support throughout the year. This includes help with annual reviews, finding providers, accessing your benefits, and any issues that may arise with your plan. They can also keep you up-to-date on any Medicare enrollment changes. They are there to advocate for you and ensure that you get the care you need.
4. Expertise and Knowledge
Medicare can be complicated, and it’s essential to work with someone who has expertise and knowledge in the field. An independent agent that specializes in Medicare has the training and experience working with Medicare plans and can help you navigate the system. They can also help you understand the complex rules and regulations associated with Medicare.
For example, what if you need to travel out of area, need help understanding a claim, or have an injury that is being paid by a third-party while on Medicare? An agent can be your go-to expert when you need help.
5. Cost-effective
Working with an independent agent can also be cost-effective. They can help you find a plan that fits your budget and provides the coverage you need. Additionally, they can help you identify potential cost savings opportunities, such as the Federal Low Income Subsidy program to lower prescription costs or the State based Medicare Savings Program that can help pay Medicare Part B premiums, and medical costs. Best of all, all agent services are provided free of charge! They can help you by comparing total out of pocket prescription and medical costs between plans, and extra benefits that you may not have been aware of otherwise.
In conclusion, working with an independent agent for Medicare can provide a range of benefits, including unbiased help at no cost to you, access to multiple plans and carriers, personalized service, ongoing support, expertise and knowledge, and cost-effectiveness. If you’re considering Medicare or need help navigating the system, consider working with an independent agent to ensure that you get the coverage you need. Meet our agents here!
