I can find everything online or make a phone call.
How can you filter through all of the Medicare Noise? Is any of that information you're bombarded with even true? Why are there so many options? Can't I make a phone call or sign up for a plan online?
That all depends.
Medicare is confusing, but it does not have to be. You did your part, and you have Medicare Part A and Medicare Part B. You may even have a Medicare Supplement (Medigap), a Prescription Drug Plan, or a Medicare Advantage Plan. Or you have Medicaid and Original Medicare. Or just Original Medicare.
You think everything is good, but then you see those commercials. You get those phone calls. You throw out more of that mail. Then you hear a little voice that says, “maybe I should look into it. Or at least find out more information”. How do you even start? How would you even know who to trust?
First, you must filter through all the information and get to what exactly you need. Then, ask yourself the following questions:
I am new to Medicare. Do I have what I need?
Are my doctors covered? My prescriptions?
Has my premium increased too much?
Do I need Dental Coverage?
Do I need Hearing Aids?
Has my financial situation changed?
Do I need Vision Coverage?
Do I have to continue to pay my Part B Premium?
Do I qualify for Extra Help or Medicaid?
Do I need durable medical equipment?
How can I pay for a Nursing Home if required?
What do I do if I have cancer?
Can I get help with groceries?
Can I get rides to Doctor Appointments?
Do I have to pay a monthly Premium?
How can I get help with my Diabetes?
I cannot afford my medication. What are my options?
If you answered yes to any of the possible questions listed above, you could benefit from the help of a dedicated Medicare Agent and a Medicare Benefits Review.
Plans, premiums, networks, benefits, and prescription drug coverage changes yearly.
Here is what you need to know when looking for some help.
First, any person who claims to be a Medicare Agent/Advisor/Broker would never charge for their service. Any person offering Medicare Services needs to be licensed by the state. They must provide a license number; if you doubt it, you can check with your State’s Insurance Department to verify their number.
A Medicare Agent cannot show up at your home unannounced without an appointment.
How are appointments made?
Response to an advertisement either online or by USPS by filling out a Request for Information form
Accepting an appointment over the phone
Setting up an appointment date at a Formal/Informal Sales Event or an Educational Event
Please keep in mind that if you call the 800 numbers or an ad on TV, there is a good chance the Agent on the other end of the line can only provide plans from one Carrier (Insurer), and this means you may not get what you need or are entitled to.
A step in the right direction would be to set up an in-person appointment for a review.
A good Medicare Insurance Agent is not bound by one Carrier (Insurer). Instead, they can compare multiple plans by multiple Carriers (Insurers) to ensure they are providing the best plan options suited to your needs.
The Agent needs to go over your current Medicare coverage. They should ask if you have Original Medicare (Parts A & B), Medicare + Medicaid, Medigap/Supplement, Prescription Drug Coverage, or Medicare Advantage Plan. They should ask what you like or do not like about your current coverage, what you are looking for, and what needs you think you may have.
The Agent must check for all Doctors, Hospitals, and preferred Pharmacies in Network. There is no reason to change anything unless you want to. The Agent MUST also review every prescription and check the formularies to ensure they can either beat the cost or stay the same.
They need to be able to provide you with a couple of options and only change your existing plan if it is to your benefit and at the right time to make the change. Overall they should leave you with peace of mind that they are providing you with the best plan, no question.
Want to know more?
At Bedrock Financial Group, we're a Veteran and First-Responder-owned full-service insurance agency. We provide complimentary consultations and no-cost Medicare reviews. Our home office is located in New Albany, IN. We have a Senior Resource Center in Stanford, KY, and another office coming to Asheville, NC. We also offer the following services:
Home + Auto
Renter's + Condo + Home Insurance
Medicare Advantage Plans
Medicare Supplement (Medigap)
Final Expense (burial planning)
Medicare Enrollment Help
We service the following states: Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Missouri, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Alabama, Connecticut, and West Virginia.
If you have Medicare questions, you can call our team at 502-200-1516. If you want to set up an in-person Medicare Benefits Review, please call 833-905-1060. If you would like a comprehensive overall review, you can call 833-905-1060 or email firstname.lastname@example.org with your contact information, including your name, city, state, and phone number, and we will connect with you.
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