Every year I stress over picking a plan and still end up surprised by the bills. Is there any way to just get peace of mind with Medicare?

Question

Tom Rogala · Accepted Answer

Change from medicare advantage to Medigap.  You will pay a monthly premium but never get a bill.  You can keep the plan forever and have peace of mind knowing your exact cost upfront

Larry Dalton · Answer

In my opinion, any time you deal with an insurance plan, you could be surprised by the billing procedures.  Medicare Advantage plans are underwritten by insurance companies, and they offer special incentives to help offset the inconvenience of using these plans.  

There should be no surprises when dealing with Medicare Part A and B. Medigap is mandated to follow the Medigap plan of your choice (A through N plans), and cannot deviate from these requirements.   However, Medigap plans require underwriting approval after the period that grants you the right to purchase such plans without any underwriting requirements.

Kyle Kokot · Answer

Yes! Stick with one agent that is a broker and can offer all the options that are available to you in your area!

Ali Crouch · Answer

Yes, find an honest agent who will review the entirety of your plan each year. When I speak with my clients, I go over the details and everything they need to be aware of. No one likes surprises, so going over the details is very important.

Answered by Ali Crouch on April 10, 2025

Broker Licensed in NE, AZ, CO & 9 other states

Answered by Ali Crouch Medicare Insurance Agent

Diana Garner · Answer

If you are still surprised by the bills you receive, that tells me two things: 
1) You are more than likely on a Medicare Advantage plan
2) Whoever you are working with to sign up isn't explaining your benefits, copays, coinsurance, or deductibles clearly.

To ensure you fully understand the plan you choose to enroll in, it is best to work with someone who will explain everything to you.

If you are on a Medicare Advantage plan, there are plans called Hospital Indemnity plans that you can sign up for that will reimburse you for inpatient hospital stays, ambulance service, outpatient surgeries, and other specified benefits.

Yasmery Vargas · Answer

Stability is key. Just because there's an annual enrollment period doesn't mean you have to shop for a plan every year. I recommend sitting with an agent and having a formal review of your plan. Shop your plan and include all doctors specialist and medications so you don't have to change every year.

Answered by Yasmery Vargas on April 18, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent

Wild Bill Anderson · Answer

Your desire to know how your plan will work is true of many we talk with. We serve over 1,500 Medicare clients who trust us to explain how plans will really work.  No big hidden “hammer” waiting to smash your wallet!
Medicare Done Right is what you want and that is who we are!

Bob Nunn · Answer

If possible I would contact a licensed professional agent to go over options and make sure you ask questions. A supplement with original Medicare might be a better option for you.

Kerwyn Jones · Answer

Yes! There a way of getting that done. A conversation with a competent Medicare Advisor will solve that problem

Jaye Maxx Alexander II · Answer

To learn what is best for you is to engage a professional agent who is a broker. If you take the time to speak with a local or regional broker agent, they will design a plan just for you.