Many of those who are eligible for Medicare aren’t aware that Local Medicare insurance agents exist to help guide them through the Medicare process and with Medicare insurance.
Some of the most common questions we get asked are:
- “What is a Medicare Agent?”
- “How do Medicare agents get paid?”
Why Have A Medicare Agent?
First, Medicare agents are individuals licensed by the state to support you with exploring your Medicare health insurance options like,
This means you pay ABSOLUTELY NOTHING for our help.
Secondly, there are many different insurance options and health plans to choose from. Each declaring themselves the “best” option for you. Contacting each company directly will not only be time consuming but each will only tell you the merits of their plan and likely withhold the pitfalls and specifics that matter to your circumstances.
Working with a Local Medicare Agent will allow you to choose amongst the plans that not only your doctors accept, but also those that fit your individual circumstances like budget, medications, health conditions, and more.
Ultimately, an agent should deliver more than just initially enroll you into a plan. If you have questions about your coverage or are having problems with your plan, they should be able to help you. At times you’ll have to call the carrier directly, but more often than not, your Medicare agent will be able to solve many problems for you.
What to look for in an Agent?
When looking for a Medicare agent, you want be looking for the following traits.
- Not all Medicare agents are Medicare brokers. A Medicare insurance broker is an independent agent who works with multiple insurance carriers that can offer you the right plan for your needs. Not force their one option to fit your needs.
- You want a specialist. Anyone with their life and health insurance license can sell Medicare insurance. There are a lot of different health and life insurance plans available in each state. Arguably, this is the field of insurance with the most bureaucracy, rules, and variables available. In our opinion, it’s best to find someone who know the ins and outs of Medicare only.
- Get a thorough teacher. An agent’s main role is to teach you about the Medicare system and what your options are. Also, an agent should ask questions about your doctors and medications you’re taking. This ensures they find the correct plans that fit your specific circumstances and needs.
Why choose Us?
Our healthcare system can vary a lot depending on where you live. Networks, insurance options, costs vary by county. Because of this we take working locally seriously. Our agents only work in the communities they live in. They know the area, the doctors, and offer all the various insurances they accept.
Each office specializes in Medicare. It’s in the name, Local Medicare Agents. Whether it’s your Medical, pharmacy, dental, vision, or all of them combined. If it has to do with Medicare, we do it. Finally our agents work around these three principles:
- Education Focused: Understanding your insurance options and healthcare system is the basis of what matters most. If you understand all your options and how they operate in the healthcare system, then you will choose confidently, take increased personal responsibility in navigating your care and know your rights when dealing with others who are responsible for your care.
- Individual Approach: Everyone’s life and needs are unique. For this reason, we believe each individual should be known by name and by need. We take the time to understand you and your healthcare needs so that we can best support you with the education and service necessary to help you achieve positive results with your healthcare.
- Power of Choice: One of Medicare’s biggest principles is that everyone gets to have a choice in their options. Seniors may need a little more time to understand the complex system, but it doesn’t mean they are void of choosing wisely. We believe in zero pressure, delivering accurate responses, and allowing time to consult the family before choosing the healthcare option fit for you. The decision is always yours to make because the results are yours to bear.
It matters that you choose an agent that meets your needs. After all, you ultimately bear the results of the plan you choose. So why not work with an agent who is invested in a positive result with you. If you’ve made it this far, contact one of our independent agents and get to know a Agent in your community.
Medicare Late Enrollment Penalties