Claire Akey, Medicare Insurance Broker
About Me
Over the past 15 years, I've helped thousands of seniors choose the best health insurance for their needs!
Q&A with Claire Akey
What’s the most important question I should be asking about Medicare that I probably haven’t thought of yet?
Answer: When you are new to Medicare, I would always look into all options available to you. And I would always go through a licensed, experienced broker who is contracted with all the major companies. That way you are not limiting your choices both for now and in the future.
What’s the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: With an HMO you have to get referrals from your Primary Care. This helps you find which specialists to go to, but limits your available options. And you have to wait for the referral and appointment times with both your Primary and the specialist.
With a PPO you can make appointments directly with a specialist who is contracted by the insurance company and you are not limited to one particular medical group. These plans have much greater flexibiiity!