Warning: Avoid These Two Commons Medicare Insurance Mistakes
After speaking with over 10,000 Medicare participants and having over 5,000 trust us as their Medicare Insurance Agent, we have narrowed the most common mistakes made when selecting your Medicare Insurance down to the two that happens the most often and can have the biggest impact on your coverage going forward.
The first is buying your Medigap or Medicare Advantage plan from an agent that is an employee of the insurance company or a captive agent (meaning he or she only represents plans from that one company). When you use a captive agent, your choices are limited and you may end up enrolling in a plan costs you more in premiums than you should be paying.
Because all Medigap plans of the same type (letter) have indentical benefits, and any medical provider that accepts basic Medicare must accept payment from any supplement plan the only difference between plans from two different companies is price. Regardless of what an agent tells you, you do not get any extra or better benefits because of the medigap company you choose.
Our agency provides you with recommendations from the top companies in your area. We then work with you to select the plan with the right benefits and best premium. We don't work for the insurance company, we work for you!
Second, many agents today work out of their house or for a large call center operation. This does not mean they are not good people with the best intentions to help. What is does mean for you however, is they are focused on one thing - getting new policies on the books.
The greatest benefit you should expect from your Medicare insurance agent is the ability and commitment to shop your policy at renewal to make sure you not only buy the best plan but KEEP the best plan. Sometimes that means changing companies at renewal. You deserve to have an agency that focuses on you as a client, not just finding new clients.
We have a team of dedicated client service agents who keep our Renewal Promise: you can have the peace of mind that we look at your plan and pricing at each renewal so you are confident about the benefits and premiums you pay.
If you want to avoid these two mistakes or correct them, we would love to help. Please call us at 866-980-0188 or use the link below to have us contact you. Thanks!