Do I really need help in figuring out what's best for me as for as Medicare Planning?
Answered by 6 licensed agents
The short answer is YES! Work with someone like me who knows all the "ins and outs" of Medicare! Who works with clients everyday and can offer BOTH : Medicare Supplement AND Medicare Advantage! These decisions are huge and have lasting impact! Work with me and we'll help you with Great information so you can make a Great decision! AS I ask my clients -"do you know of anyone that has BETTER health as they get older?? We can make you feel confident in your choices!
I advise you seek face to face assistance to ensure all medications and Healthcare providers are reviewed for coverage options. Some clients of mine found out they were eligible for State or Federal assistance with prescription and/or medical care cost sharing. Other clients of mine found out the desired a Medicare Supplement based on their needs. There shouldn't be a cookie cutter answer from agents/brokers. A thorough review in is Your Best Interest.
Medicare planning is a very complex subject that should be discussed with a professional broker that has access to Medicare supplement plans as well as Medicare advantage plans since everyone's needs are very different.
I would advise that you select an independent broker rather than going to an insurance company direct since the insurance company will not give you multiple options with other companies other than themselves and they may not have the plan that suits you best.
Technically, no—you can go to Medicare.gov and compare plans on your own. But here's why working with a licensed local agent (like us at Peace & Grace Insurance Services) can make a big difference: Working with an agent for personalized advise, it also a local agent will be familiar with the local doctors, what doctor takes what and since Medicare can be confusing, choosing an agent can avoid you many costly mistakes.
It's important to understand all your plan options before making an informed decision. Not fully understanding your options could lead to unexpected penalties or unpredictable out of pocket expenses. To help with this, I offer free Medicare educational classes regularly throughout the year, providing prospective members the chance to meet me, ask questions, and gain clarity without feeling pressured or guided in any particular direction.
The short answer is no, you can do it on your own. Navigating Medicare—between Parts A, B, C, D, and supplemental options—can feel like a maze. Many people unknowingly overpay, duplicate coverage, or miss key deadlines, leading to avoidable expenses. Uninformed choices can be costly—especially when every dollar matters.
Working with a good independent agent does not cost you anything, provides you with comparisons and assurance that you are aware of all the deadlines and have an advocate who is working for you.
