Medicare Insurance Agents in Big Bunch, California | Local Medicare Agents LMA Insurance Medicare Brokers

Answer: Medicare insurance brokers are professionals who help individuals navigate the variety of Medicare plans available. They provide guidance on Medicare Advantage Plans, Medigap (Supplement) Plans, and Prescription Drug Plans. Brokers are knowledgeable about the differences between plans, coverage options, costs, and the enrollment process. They work to find the best plan tailored to an individual’s healthcare needs and financial situation. It’s important to note that brokers should be licensed and unbiased, offering options from multiple insurers.

Question: What job categories do people searching medicare insurance agent jobs in california look for?

Answer: People searching for Medicare insurance brokers in California typically fall into several categories. These include seniors approaching the age of 65, individuals already enrolled in Medicare seeking better coverage or lower costs, and caregivers or family members assisting an older relative or friend. Professionals like retirement planners, financial advisors, and healthcare workers may also seek information on behalf of their clients or patients.

Question: How much do medicare insurance agent jobs pay per year in california?

Answer: The pay for Medicare insurance agents in California varies widely depending on several factors such as experience, the volume of clients, the type of employment (independent agent versus an employee of an agency), and the specific compensation structure (commission-based, salary, or a combination). Generally, agents can expect a range from modest starting salaries or commissions to potentially lucrative earnings for experienced and successful agents.

Question: Do i pay a fee for the help of a medicare insurance broker like boomer benefits?

Answer: Typically, you do not pay a fee to a Medicare insurance agent. Agents are compensated by the insurance companies whose plans they sell. This compensation is in the form of commissions, which are built into the cost of the insurance plan. It’s important for clients to know that the price of a Medicare plan is the same whether they buy it directly from an insurance company or through a licensed agent.

Question: Can a local medicare insurance agent help me switch plans if my healthcare needs change?

Answer: Yes, a local Medicare insurance agent can help you save money on healthcare. By comparing different Medicare plans and options, agents can find a plan that best fits your healthcare needs and budget. They can help identify plans with lower premiums, reduced out-of-pocket costs, or more comprehensive coverage, potentially leading to savings over time.

Question: What are popular job titles related to medicare insurance agent jobs in california?

Answer: Popular job titles related to Medicare insurance agent jobs in California include Medicare Specialist, Medicare Sales Representative, Medicare Consultant, Senior Insurance Advisor, and Health Insurance Agent. These roles involve advising clients on Medicare options, selling Medicare products, and staying informed about the latest changes in Medicare regulations and plans.

Question: What is the difference between a medicare broker and a medicare insurance agent?

Answer: The key difference between a Medicare broker and a Medicare insurance agent is their affiliation. A Medicare insurance agent is typically affiliated with a specific insurance company and sells products from that company. In contrast, a Medicare broker is independent and can offer plans from multiple insurance companies. This independence allows brokers to provide a wider range of options to clients, potentially finding more tailored and cost-effective solutions.

Question: How can a local medicare insurance agent help me manage my medicare costs?

Answer: A local Medicare insurance agent can help manage your Medicare costs by analyzing your healthcare needs and comparing different Medicare plans. They can find plans with lower premiums, reduced copayments, and out-of-pocket maximums. They can also help you understand the benefits of each plan, including additional coverage like dental, vision, or wellness programs that might lead to long-term savings.

Question: What cities in california are hiring for medicare insurance agent jobs?

Answer: Many cities in California hire for Medicare insurance agent jobs, particularly in larger metropolitan areas like Los Angeles, San Francisco, San Diego, Sacramento, and San Jose. However, opportunities are also available in smaller cities and rural areas, especially as the population aging into Medicare increases across the state.

Question: How can a health insurance broker help me find a medicare plan?

Answer: A health insurance broker can assist in finding a Medicare plan by providing expert advice on the various options available. They can compare plans based on your specific healthcare needs, budget, and preferences. Brokers are knowledgeable about the latest plan offerings, benefits, and changes in Medicare, ensuring you get the most current and suitable plan.

Question: What is medicare supplement insurance?

Answer: Medicare Supplement Insurance, also known as Medigap, is additional insurance you can buy to cover costs not covered by Original Medicare, like deductibles, copayments, and coinsurance. These plans are offered by private insurance companies and are designed to help manage out-of-pocket expenses, offering various levels of coverage.

Question: How much does an insurance agent make on medicare?

Answer: The amount an insurance agent makes on Medicare varies widely. It depends on factors like the type of Medicare plans they sell (Advantage, Supplement, or Drug Plans), their client base, region, and whether they receive a flat fee per enrollment or a commission.

Question: How much experience selling medicare plans do you have?

Answer: Agents in our office have an average of 8 years experience ranging from 4 years to 12 years.

Question: How do you find an experienced, licensed medicare insurance agent?

Answer: To find an experienced, licensed Medicare insurance agent, you can start by checking with local insurance brokerages or agencies. Referrals from friends, family, or healthcare providers can also be valuable. Online directories and websites of reputable insurance companies can provide lists of licensed agents in your area. Always verify an agent’s license with your state’s insurance department.

Question: What did people search for similar to medicare insurance in fresno, ca?

Answer: In Fresno, CA, searches similar to Medicare insurance often include queries about Medicare Advantage Plans, Medicare Supplemental Insurance (Medigap), Medicare Part D (prescription drug coverage), local Medicare agents or brokers, and Medicare eligibility requirements. People may also search for information on specific Medicare providers in the area, as well as seminars or informational events about Medicare.

Question: What does a medicare insurance agent do?

Answer: A Medicare insurance agent assists individuals in understanding and enrolling in Medicare plans. They explain the differences between Original Medicare, Medicare Advantage, Supplemental Insurance, and Prescription Drug Plans. Agents assess individual healthcare needs, compare plans, and help clients make informed decisions about their Medicare coverage. They also assist with the application and renewal processes and provide ongoing support for any coverage-related issues.

Question: But what does a broker do for an insurance company?

Answer: A broker acts as an intermediary between insurance companies and clients, but they don’t work for the insurance companies. Instead, they represent the interests of the client, offering unbiased advice and a range of insurance options from multiple companies. Brokers assess clients’ needs, provide options for coverage, and help clients understand and choose the best policy. Their role is to facilitate a suitable match between the client’s needs and the insurance products available.

Question: What kind of health related services are not covered in medicare plans?

Answer: Traditional Medicare plans do not typically cover certain health-related services like routine dental care, vision exams, hearing aids, eyeglasses, cosmetic surgery, and long-term care. Prescription drugs are also not covered under Original Medicare but can be covered through a separate Part D plan. It’s important to review each plan’s specifics, as Medicare Advantage plans might offer some coverage for these services.

Question: How much experience selling medicare plans do you have?

Answer: Agents in our office have an average of 8 years experience ranging from 4 years to 12 years.

Question: Will i be paid directly from the insurance company or will my commissions be assigned to the fmo?

Answer: Typically, Medicare insurance agents receive their commissions directly from the insurance company whose plans they sell. However, if an agent works through a Field Marketing Organization (FMO), the commission may be paid to the FMO, which then distributes it to the agent according to their agreement. The specifics can vary based on the contract between the agent, the FMO, and the insurance company.

Question: What is medigap insurance?

Answer: Medigap, or Medicare Supplement Insurance, is a type of insurance sold by private companies to cover gaps in Original Medicare coverage, such as deductibles, coinsurance, and copayments. These plans do not cover services not included in Original Medicare, like vision or dental care. There are several Medigap plans available, each offering a different level of coverage.

Question: Need help understanding the difference between original medicare and medicare advantage?

Answer: Original Medicare is a federal health insurance program for people 65 and older and some younger people with disabilities. It consists of Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage, also known as Part C, is an alternative to Original Medicare, offered by private insurance companies. These plans have aprivate company manage your Original Medicare benefits at a lower out of pocket cost and often provide additional benefits like dental, vision, and prescription drug coverage. Medicare Advantage plans also have different cost structures and provider networks.

Question: Can i save money by calling the insurance company directly?

Answer: Calling an insurance company directly may not necessarily save you money. While you’ll receive information about that company’s specific plans, you won’t get a comparison of different plans from multiple companies. A Medicare insurance agent or broker can provide a broader comparison and might be able to find a more cost-effective plan that suits your needs.

Question: What’s the difference between medicare and medicaid?

Answer: Medicare is a federal program providing health coverage to people 65 or older and to some younger people with disabilities. Medicaid is a state and federal program that provides health coverage to people with a limited income. Some individuals can qualify for both Medicare and Medicaid (dual eligible) for comprehensive health coverage.

Question: Is medicare supplement or medigap?

Answer: Yes, Medicare Supplement and Medigap refer to the same type of insurance. This insurance is sold by private companies to cover costs not covered by Original Medicare, such as deductibles, coinsurance, and copayments. These plans help manage out-of-pocket expenses and can provide additional coverage benefits.

Question: Why do i need a medicare insurance agent?

Answer: A Medicare insurance agent can provide valuable assistance in understanding the complexities of Medicare, including the differences between Original Medicare, Medicare Advantage, and Supplement plans. They can help you navigate the enrollment process, compare different plans based on your healthcare needs and budget, and ensure you’re making the most informed decision about your Medicare coverage.

Question: How much does an insurance agent make on medicare sales?

Answer: The amount an insurance agent makes from Medicare sales varies widely. Factors include the types of plans sold (Advantage, Supplement, or Drug Plans), the number of clients, geographic location, and the compensation structure (commission-based, salary, or a combination). Earnings can range from modest to quite lucrative, depending on these variables.

Question: Do you need a medicare advatage, supplemental and or medicare part d plan?

Answer: Whether you need a Medicare Advantage, Supplemental (Medigap), and/or Medicare Part D plan depends on your individual health needs and financial situation. Medicare Advantage offers an all-in-one alternative to Original Medicare, often including drug coverage. Medigap helps cover gaps in Original Medicare, and Part D provides prescription drug coverage. You will usually enroll into an Advantage plan or choose a Medigap plan and Part D plan. You cannot have both together. Evaluating your healthcare requirements and budget can help determine which combination of plans is best for you.

Question: Looking for a medicare insurance agent near you?

Answer: To find a Medicare insurance agent near you, consider checking online directories, asking for referrals from friends or family, or contacting local insurance agencies. You can also consult with professional associations or use tools provided by Medicare to find licensed agents in your area. Always verify the agent’s credentials and experience.

Question: What is a medicare advantage insurance agent?

Answer: A Medicare Advantage insurance agent specializes in Medicare Advantage plans, which are an alternative to Original Medicare offered by private insurance companies. These agents help clients understand the various Medicare Advantage plans available, including their benefits, costs, provider networks, and additional services like dental, vision, and prescription drug coverage.

Question: Want to start selling medicare insurance but do not know where to start?

Answer: To start selling Medicare insurance, you should first obtain a license to sell health insurance in your state. Then, complete any specific training required for selling Medicare products, like Medicare Advantage and Medigap plans. Joining a brokerage or partnering with a Field Marketing Organization (FMO) can provide additional support and resources. Networking with experienced agents and staying informed about Medicare regulations and products are also crucial steps.

Question: Do you sell both medicare advantage and medigap plans?

Answer: Yes! We sell all types of Medicare Insurance plans including Medicare Advantage, Medicare Supplement, and Medicare Part D plans.

Question: Where can i find reliable health insurance and medicare brokers in fresno?

Answer: To find reliable health insurance and Medicare brokers in Fresno, you can search online directories, ask for recommendations from friends or healthcare providers, or contact local insurance agencies. Check the broker’s credentials and experience, and consider attending Medicare informational events in the area to connect with knowledgeable professionals.

Question: Why choose an independent medicare insurance agent?

Answer: Choosing an independent Medicare insurance agent offers the advantage of unbiased advice and a wide range of plan options from different insurers. Independent agents are not tied to one specific company, allowing them to objectively compare plans based on your individual needs and preferences, potentially finding a more suitable and cost-effective Medicare plan for you.

Question: Looking for a medicare insurance agent in your area?

Answer: To find a Medicare insurance agent in your area, you can start by searching online directories, asking for referrals from friends, family, or healthcare providers, and contacting local insurance brokerages. You can also use resources provided by Medicare to find licensed agents. Ensure to check the agent’s credentials and experience for reliability.

Question: What is the difference between medicare and medicaid?

Answer: Medicare is a federal program providing health coverage mainly to people 65 or older and some younger people with disabilities. Medicaid is a joint federal and state program offering health coverage to people with a limited income. Some individuals can qualify for both (dual eligible), receiving comprehensive health coverage from both programs.

Question: How are medicare advantage plans different than original medicare?

Answer: Medicare Advantage Plans, also known as Part C, are an alternative to Original Medicare offered by private insurance companies. They cover everything Original Medicare does but often include additional benefits like dental, vision, and prescription drug coverage. Medicare Advantage plans also have different provider networks, out-of-pocket costs, and coverage restrictions compared to Original Medicare.

Question: How does a licensed insurance agent or broker help you with medicare choices?

Answer: A licensed insurance agent or broker helps with Medicare choices by providing expert advice on different Medicare options. They can compare plans based on your healthcare needs and budget, assist in understanding coverage details, and help with the enrollment process. They serve as a resource for any questions or concerns you may have about your Medicare coverage.

Question: Captive medicare insurance agent?

Answer: A captive Medicare insurance agent is an agent who works exclusively for one insurance company and sells only that company’s Medicare products. This contrasts with independent agents who represent multiple insurance companies. Captive agents can provide in-depth knowledge of their company’s specific plans but may have a limited range of options compared to independent agents.

Question: What are the rules for agents who sell medicare health plans?

Answer: Agents who sell Medicare health plans must adhere to strict guidelines set by the Centers for Medicare & Medicaid Services (CMS). These include obtaining and maintaining proper licensure, completing specific Medicare training and certifications, following marketing and communication rules, and providing accurate and unbiased information about the plans they offer.

Question: Another question is would your loved one be better off with medicare parts a and b or with medicare part c?

Answer: Whether your loved one would be better off with Medicare Parts A and B (Original Medicare) or Medicare Part C (Medicare Advantage) depends on their healthcare needs, budget, and preferences. Original Medicare offers more flexibility in choosing healthcare providers but may have higher out-of-pocket costs. Medicare Advantage plans often provide additional benefits but have specific provider networks and plan restrictions. Evaluating their specific needs and comparing plan options is crucial in making the right choice.

Question: Do you need medigap or supplemental insurance, too?

Answer: Medigap or supplemental insurance can be beneficial as it helps cover costs not covered by Original Medicare, like deductibles and copayments. Whether you need it depends on your health care needs and financial situation.

Question: What is the difference between a medicare agent and a medicare broker?

Answer: A Medicare agent typically works for one insurance company and sells products from that company, while a Medicare broker is independent and can offer plans from multiple insurance providers.

Question: Why choose independent medicare insurance agents?

Answer: Independent Medicare insurance agents can offer a wider range of plans from various insurers, providing more options to find a plan that best fits your healthcare needs and budget.

Question: How is a medicare insurance broker paid then?

Answer: Medicare insurance brokers are paid through commissions by the insurance companies. For Supplement plans, the commission is usually a percentage of the premium, while for Medicare Advantage or Part D plans, it is a flat commission set by Medicare.

Question: What is a medicare insurance broker?

Answer: A Medicare insurance broker is a licensed professional who assists individuals in choosing and enrolling in Medicare plans from various insurers, offering unbiased advice to find the best-suited plan. They are compensated by insurance companies through commissions—a percentage of the premium for Supplement plans or a flat rate for Medicare Advantage or Part D plans.

Question: What is a medicare supplement insurance agent?

Answer: A Medicare supplement insurance agent specializes in selling Medigap policies that cover costs not included in Original Medicare, such as deductibles, coinsurance, and copayments.

Question: Choose a medicare broker – how do i find a medicare broker?

Answer: To find a Medicare broker, look for licensed professionals with a good reputation, either through referrals, online reviews, or by checking their credentials with the state insurance department.

Question: How do you choose the best independent medicare insurance agent?

Answer: Choose an independent Medicare insurance agent based on their knowledge, experience, customer service, and ability to provide unbiased information on a range of products from various insurers.

Question: Is it possible to switch from a medicare advantage plan to regular medicare without being penalized?

Answer: Yes, you can switch from a Medicare Advantage plan to Original Medicare during the Annual Enrollment Period or during the Medicare Advantage Open Enrollment Period without penalty.

Question: What are medicare insurance brokers and agents?

Answer: Medicare insurance brokers and agents are licensed professionals who help individuals choose and enroll in Medicare-related insurance plans. Brokers represent multiple insurers, while agents may represent just one.

Question: What is a captive medicare insurance agent?

Answer: A captive Medicare insurance agent is one who works exclusively for one insurance company and sells only that company’s Medicare products.

Question: Can you switch insurance agencies after you sign up for medicare?

Answer: Yes, you can switch insurance agencies or agents. If you’re enrolled in a Medicare plan, you can choose to work with a different agent or agency to help manage your plan or to find a new one.

Question: How can medicare insurance agents help me?

Answer: Medicare insurance agents can help by providing expert advice on different Medicare plans, helping with enrollment, and answering questions about coverage.

Question: Is there an independent medicare insurance broker near me?

Answer: To find an independent Medicare insurance broker near you, search online directories, ask for referrals, or check with local insurance agencies.

Question: What kinds of certifications or qualifications should a local medicare insurance agent have?

Answer: A local Medicare insurance agent should have a state insurance license and certifications from Medicare training courses.

Question: How much can insurance agents make selling medicare?

Answer: Insurance agents can earn a wide range of incomes selling Medicare; this can include commissions which are a percentage of the premium for Supplement plans or a flat rate for Advantage or Part D plans.

Question: What type of medicare insurance broker is near you?

Answer: The type of Medicare insurance broker near you can vary; some may specialize in certain types of plans or serve specific populations.

Question: Can you have private insurance and medicare at the same time?

Answer: Yes, you can have both private insurance and Medicare at the same time, which can help cover additional costs that Medicare does not cover. Sometimes this is not necessary depending on how the private company coordinates with your Medicare.

Question: How to deal with medicare insurance fraud?

Answer: To deal with Medicare insurance fraud, report any suspicious activities to the Centers for Medicare & Medicaid Services (CMS) or the Office of the Inspector General (OIG).

Question: Looking for information on medicare health insurance?

Answer: For information on Medicare health insurance, visit the official Medicare website or consult with a licensed Medicare insurance agent.

Question: Do you need a medicare insurance agent?

Answer: While not required, a Medicare insurance agent can provide valuable assistance in understanding your options and making informed decisions about Medicare coverage.

Question: How does a local medicare insurance agent get compensated for their services?

Answer: A local Medicare insurance agent gets compensated for their services through commissions paid by the insurance companies they represent.

Question: Why are cheaper medicare plans not necessarily the best option?

Answer: Cheaper Medicare plans may not cover as much, leading to higher out-of-pocket costs later, which is why they may not always be the best option.

Question: What is medicare advantage?

Answer: Medicare Advantage, also known as Medicare Part C, is a type of health insurance plan in the U.S. that provides Medicare benefits through a private-sector health insurer.

Question: What is medicare part a?

Answer: Medicare Part A is hospital insurance that covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Question: Can you think of a time when your advice really made a difference to a client’s health?

Answer: We met a client who was losing their coverage during cancer treatment. Their finances were limited but they could not qualify for Medi-cal and could not afford a Medicare Supplement policy. We were able to enroll them into a Medicare Advanatge plan with a annual Maximum out of pocket of $1000 and get them a primary doctor who helped navigate referrals within the same week. This client was able to continnue their cancer care with no interruptions and they paid no more than $1000 for the whole year for all their treatment and monthly costs combined.

Question: Happy with your health insurance plan, but want to work with our agency?

Answer: You can generally call the health plan and request to have your broker of record changes. Many plans would lkike this change in writing from the member. They may have a form. Give us a call and we can navigate this change with you.

Question: How much money can medicare sales agents make?

Answer: Medicare insurance agents are typically paid through commissions by the insurance companies. The commission is usually a percentage of the premium of the plans they sell if it is a Supplement plan and a flat commission set by Medicare if it is for a Medicare Advantage or Part D pan.

Question: Read more about how is it possible for medicare advantage plans to cost the consumer zero?

Answer: Medicare Advantage plans get federal funding from Medicare for managing the medicare benefits for a beneficiary. To be competative they often do not charge the member a premium since they can often provide the same care at a lower cost due to their local contracts. They will have restrictions to their local network only, but they are able to save costs by better negotiating with doctors than the government. These savings alow them to not charge any extra to the member and lower their out of pocket compared to Original Medicare.

Question: Why should i use a broker to sign up for medicare?

Answer: Using a broker for Medicare can provide personalized advice and help you navigate the variety of plans to find the best fit for your healthcare needs and budget.

Question: Do i have to work with a medicare broker?

Answer: No, you are not required to work with a Medicare broker, but many find it helpful for making informed decisions about their Medicare coverage.

Question: Does it cover hospital insurance?

Answer: Yes, Medicare Part A covers hospital insurance, including inpatient hospital stays, skilled nursing facility care, and some home health care.

Question: What is medicare part c?

Answer: Medicare Part C, or Medicare Advantage, is an alternative to Original Medicare offered by private companies, often including additional benefits.

Question: What is a medicare supplement?

Answer: A Medicare supplement, or Medigap, is additional insurance that covers gaps in Original Medicare, such as deductibles and copayments.

Question: Will my regular doctor accept the insurance coverage provided by my policy?

Answer: Whether your doctor accepts the insurance depends on if they are in the network of the Medicare plan you choose; always verify with your doctor.

Question: Which medicare plan is right for you?

Answer: The right Medicare plan for you depends on your health needs, preferences, and financial situation; a broker can help you compare options.

Question: What is an insurance broker?

Answer: An insurance broker is a professional who sells policies from various insurers, providing clients with a range of options and independent advice.

Question: Where can i learn more about medicare and my supplement plan options?

Answer: You can learn more about Medicare and supplement plans from the official Medicare website, or by consulting with a licensed Medicare insurance broker.

Question: What is medicare part b?

Answer: Medicare Part B covers outpatient care, preventive services, medical supplies, and doctor services.

Question: What does ‘ready-to-sell’ mean for medicare agents?

Answer: ‘Ready-to-sell’ means Medicare agents have completed all necessary certifications and are authorized to sell Medicare plans.

Question: Should i delay medicare?

Answer: Delaying Medicare can result in late enrollment penalties unless you have other qualifying coverage (i.e. Employer coverage); it’s important to enroll when you’re first eligible if you have no other coverage in force.

Question: What does the federal medicare program cover?

Answer: Medicare Part A, also known as hospital insurance, covers services like inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care services. It’s designed to help with the costs of hospitalization and related services. Medicare Part B, known as medical insurance, covers medically necessary services and preventive services. It includes outpatient care, doctor visits, preventive services to keep you healthy, and supplies that are considered medically necessary to treat a disease or condition. This includes services like lab tests, surgeries, doctor visits, and home health care that aren’t covered by Part A. Together, these parts of Medicare ensure that beneficiaries have comprehensive coverage for a wide range of healthcare needs, from routine doctor visits to significant hospital stays. For additional coverage, beneficiaries often look into Medicare Advantage plans or Medicare Supplement insurance (Medigap).

Question: What kind of out-of-pocket expenses do medicare supplements cover?

Answer: Medicare supplements cover costs not covered by Original Medicare, like copayments, coinsurance, and deductibles.

Question: Which medicare plan is best for me?

Answer: The best Medicare plan depends on individual health needs, financial situation, and preferences for coverage.

Question: What are people saying about health insurance offices in fresno, ca?

Answer: Opinions on health insurance offices in Fresno, CA, can vary; it’s best to look at reviews or client testimonials.

Question: How do i enroll in a medicare part d plan?

Answer: To enroll in a Medicare Part D plan, you can visit the Medicare website, call 1-800-MEDICARE, or work with a broker.

Question: What is critical illness insurance?

Answer: Critical illness insurance provides a lump-sum cash benefit if diagnosed with a specified critical illness.

Question: Can i get medicare if i’ve never worked?

Answer: Yes, you can get Medicare benefits even if you’ve never worked, based on your spouse’s work history or if you pay premiums.

Question: Can you help with my medicare drug plan?

Answer: Yes, we can assist with your Medicare drug plan selection and enrollment process.

Question: How to sign up for part d medicare?

Answer: You can sign up for Part D during your Initial Enrollment Period, or during the Annual Election Period.

Question: Does medicare cover eyeglasses and vision care?

Answer: Medicare generally does not cover eyeglasses and vision care, except post-cataract surgery or for certain conditions.

Question: Where can i learn more about medicare and my supplement plan options?

Answer: Information about Medicare the official Medicare website or through a Medicare counselor. Medicare Supplement options can generally only be shopped by brokers, like us. Otherwise you will have to search out each company individually to see if they offer Medicare Supplement.

Question: Which medicare advantage plan is best?

Answer: The best Medicare Advantage plan varies per individual needs; compare plans based on coverage, costs, and network. These plans and their networks available vary by county. One plan can be very good in one area and terrible in another. We recommend partnering with someone local to navigate the plans that work best in your area.

Question: When should i sign up for medicare?

Answer: Sign up for Medicare during the 7-month Initial Enrollment Period around your 65th birthday. Usually as early as 3 months before.

Question: How did you find out about medigap seminars?

Answer: Medigap seminars can be found through local health bureaus, senior centers, or Medicare websites.

Question: When was the last time you had your health insurance coverage reviewed to see if you can save money?

Answer: It’s advisable to review your health insurance coverage annually to ensure it still meets your needs.

Question: How to choose an independent medicare broker near me?

Answer: To choose an independent Medicare broker, consider their credentials, experience, and client reviews.

Question: Do medicare agents get paid more for certain plans?

Answer: Medicare agents are paid a commission set by Medicare, not more for certain plans. It’s important to note that not all agents offer every plan in your area. You should make sure the broker you work with offers more than just a few options to ensure you are getting an unbiased opinion.

Question: Who is eligible for medicare?

Answer: Those 65 and older, younger people with disabilities, and people with End-Stage Renal Disease are eligible for Medicare.

Question: What is the medicare maximum out of pocket?

Answer: Originial Medicare has no maximum. You will pay your deductibles, copays, and coinsurances with no annual maximum. This means there is no limit to your maximum each year. You wopuld have to enroll into a Medicare Advantage plan (Part C) or a Medicare SUpplement to limit your annual out of pocket costs.

Question: Do all doctors accept medicare?

Answer: Most doctors you encounter will accept Medicare. It is important to note that not all doctors accept Medicare; check with your healthcare providers to confirm. There may be a procedure or service that a doctor may provide as cash pay if it is not a Medicare covered service.

Question: Can i use my medicare coverage to utilize telehealth services?

Answer: Yes, Medicare now covers telehealth services for various types of healthcare visits.

Question: What insurance companies are best?

Answer: The best insurance companies for you will depend on your specific needs and what plans are available in your area.

Question: Am i eligible for cobra health insurance?

Answer: COBRA provides temporary continuation of health coverage when it would otherwise be lost. This generally only applies to employer coverage.

Question: Do i need to be on social security to get medicare coverage?

Answer: No, but being on Social Security can automatically enroll you in Medicare Parts A and B.

Question: What is the medicare snf three-day rule?

Answer: The SNF three-day rule requires a qualifying hospital stay of three days for Medicare to cover skilled nursing facility care.

Question: When does medicare coverage start?

Answer: Medicare coverage typically starts the first day of the month you turn 65.

Question: Does medicare pay for all surgeries?

Answer: Medicare covers medically necessary surgeries; coverage details can vary by Part A and Part B.

Question: How do i switch medicare plans?

Answer: To switch Medicare plans, you can do so during the Annual Election Period or during a Special Enrollment Period if eligible.

Question: Have medicare’s enrollment rules changed due to coronavirus?

Answer: Some Medicare enrollment rules may have temporary changes due to the coronavirus; check the official Medicare website.

Question: How do i know that you aren’t just offering me a company with the largest commission?

Answer: Commissions are generally the same across companies because they are largely set by Medicare. It would be wise to confirm how many plans your broker offers and ensure they can show you comparable quotes other than one plan.

Question: What does medicare part c cover?

Answer: Medicare Part C covers everything Original Medicare covers and may include additional benefits like dental, vision, and prescription drugs.

Question: What’s a common misconception about medicare among people who are new to it?

Answer: A common misconception is that Medicare is completely free or covers all healthcare costs, which it does not.

Question: Is medicare plan g better than plan f?

Answer: Plan G may cost less than Plan F, especially since Plan F is not available to new Medicare enrollees as of 2020.

Question: What if i missed the medicare enrollment period?

Answer: If you miss the Medicare enrollment period, you may have to wait until the next General Enrollment Period and may face penalties.

Question: What does medicare cover?

Answer: Medicare covers hospital care, doctor services, lab tests, surgery, home health care, and preventive services.

Question: How does medicare work?

Answer: Medicare provides health insurance for people over 65, certain younger people with disabilities, and people with ESRD or ALS.

Question: Who accepts medicare supplement plans?

Answer: Most Medicare Supplement plans are accepted by any doctor that accepts Medicare.

Question: When does my medicare begin?

Answer: Medicare coverage starts the first day of the month you turn 65 or after 24 months of disability benefits.

Question: What documents do i need to apply for medicare?

Answer: To apply for Medicare, you will not need any documents specifically, but you will need to know your social security number and some basic questions relating to your status for disability and work history.

Question: Which medicare supplement plan is best?

Answer: The best Medicare supplement plan depends on individual health needs and financial situation. Genrally Plan G covers the most for those who received Medicare after 2020. other options may cost less but will genrally cover less as well.

Question: Who qualifies for medicare?

Answer: Anyone who is 65 or older, people with certain disabilities, or people with ESRD or ALS qualify for Medicare.

Question: Do you need medicare part b?

Answer: Generally, if you don’t have other coverage through an employer or a spouse you should get Part B. Medicare Part B is medical insurance that covers outpatient care, preventive services, and more.

Question: What is the medicare donut hole?

Answer: The Medicare donut hole, also known as the coverage gap, is a phase in Medicare Part D prescription drug plans where there is a temporary limit on what the drug plan will cover for drugs. Once you and your plan spend a certain amount on covered medications, you’ll pay no more than 25% of the cost for generic and brand-name prescription drugs while in the donut hole until you reach the yearly out-of-pocket spending limit.

Question: Can i change my medicare plan after the annual enrollment period?

Answer: You can change your Medicare plan during the Annual Election Period or if you qualify for a Special Enrollment Period.

Question: If i don’t have any prescriptions when i turn 65, do i still need to sign up for a medicare part d plan?

Answer: If you have no prescriptions at 65, you may still want to enroll in Part D to avoid a late enrollment penalty if you need prescriptions later.

Question: What are the pros and cons of using a medicare supplement?

Answer: Medicare Supplement pros include covering gaps in Original Medicare; cons include additional premiums.

Question: What determines your medicare supplement rates?

Answer: Your Medicare supplement rates are determined by the plan, your age, location, tobacco use, and sometimes health history.

Question: Is plan g the best medicare supplement plan?

Answer: Plan G covers all out-of-pocket costs for Medicare-covered services except the Part B deductible, making it a popular choice.

Question: Does medicare cover hearing aids?

Answer: Medicare Part B covers hearing aids if deemed medically necessary, but otherwise, hearing aids are not typically covered.

Question: What is the two-midnight rule in medicare?

Answer: The two-midnight rule determines how Medicare decides if care is inpatient or outpatient for billing purposes.

Question: How much does medicare part d cost?

Answer: Medicare Part D costs vary by plan, including premiums, deductibles, and other out-of-pocket costs. Prices can range from $0.40-180 a month.

Question: Are medicare advisors legitimate?