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Why Retirees Should Work With an Independent Medicare Insurance Agent

March 30, 2017

If you’re nearing age 65 (when you have to enroll in Medicare) or you already have a policy and you need to make a change, it’s difficult to know which experts to trust.

Sure, you can go to Medicare.gov and enroll in Medicare. But you won’t get the same experience  –  a better one  –  than you would with an independent agent.

Think about it. With the federal site, you’ll never speak with the same representative every time you call. You’ll never meet face to face and get that personalized care you need. You won’t have someone who is accountable for your well-being after you buy.

But…

With an independent insurance agent, you get a whole lot of perks, like:

  • They’re free! The Medicare policy you buy costs the same regardless of from whom you buy it. You’ll never be charged a fee to purchase a Medicare plan.
  • They’ll work with you to help you understand your options. Independent agents are invested in your success. Their business depends on great word-of-mouth recommendations and they really care about their clients. They’re also trained to know the ins and outs of various policies, and how to match your needs to the best Medicare plan.
  • They’re your advocate. After you enroll in Medicare, your independent agent won’t disappear. They will be there for as long as you need them, and you’ll be able to call them with questions or meet over coffee to discuss switching policy if your needs change. Every year, you have the option of upgrading or swapping out your policy for a different Medicare plan, and your independent agent will be there, every step of the way, to ensure that your policy matches your current health needs. If you have a question about a claim or benefits, you can always talk to your agent to get answers or to act as an intermediary between you and your insurance company.
  • They are impartial. Independent agents have access to lots of Medicare plans, including the federal government’s policy. They aren’t beholden to any one company, so they can help you sort through the options and choose Original Medicare (Parts A and B, provided by the government) or Medicare Advantage or a Prescription plan (Part D) managed by private providers.

Take advantage of the expertise that independent agents have to offer when you’re ready to enroll in or change your Medicare plan. You can trust that they have your best interest at heart and will steer you in the best path for your health and finances.

InsureOne Benefits is happy to walk you through the Medicare enrollment or renewal process. Just give us a call today!

5 Things to know about medicare when you turn 65

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