What advice would you give to seniors who are feeling overwhelmed by all the Medicare options available?
Answered by 25 licensed agents
Answered by Robert Helmkamp II on March 29, 2025
Broker Licensed in AZ
Answered by Tony Capraro III on June 30, 2025
Agent Licensed in NH & ME
Answered by Ben Washington on May 1, 2025
Broker Licensed in IL, FL, MN, SC, TX & WI
Answered by Marsha Reiniers on May 19, 2025
Agent Licensed in FL, GA, NC, PA, SC & VA
Know your Medicare timeframes and when you can choose your plans.
Do not wait until the last minute as it can add to the stress of feeling overwhelmed.
Medicare.gov has a lot of free resources and 1-800-Medicare or 1-800-633-4227 can answer general questions about Medicare.
State Health Insurance Programs or SHIP is a free resource that is available in every state. This gives people an opportunity to ask questions to help navigate the complexities of Medicare and they provide insurance counseling.
Consider whether or not your preferred doctors, specialists, and medical facilities will accept your plan. Identify which plans will minimize your out-of-pocket expenses for prescriptions with the pharmacy of your choice. Evaluate your situation carefully to consider not just premiums, but copays, coinsurance, and deductibles. You want to evaluate your total out-of-pocket expenses when you consider your options.
Find an Independent Agent or Broker you can partner with whom you can trust and can be an advocate for you. Independent Agents or Brokers can simplify the process, and can identify what makes sense for your particular situation. Also, Independent agents use resources that will help identify what makes sense financially, and tend to keep informed of changes within the industry.
Answered by Steven Whetstine on June 21, 2025
Agent Licensed in AZ, ID, IN & 6 other states
Answered by Kelsey Hentzen on May 13, 2025
Broker Licensed in KS & MO
Answered by Jay Larshus on June 16, 2025
Agent Licensed in TN & VA
Answered by Lauryn Ivey on June 3, 2025
Broker Licensed in AL
Ask your friends, relatives and neighbors about their comfort zone (does the agent return your phone calls/emails in an expeditious manner?) with their agents and your hesitation should disappear. During the 3 agents' interview process, is she/he looking directly at you when they answer your questions? Does the referred agent have the years of experience necessary in covering some of the more quirky parts of Medicare? Are the companies she/he represents among the largest in the country? Google those companies and check as to how well they are rated in YOUR STATE! Don't forget that you may be surprised that the largest insurance firm in the US may not necessarily be among the highest rated. This should be enough ammunition.
Answered by Steven Bleicher on May 17, 2025
Broker Licensed in AZ
You have a choice to make. Which option will best help you cover what Medicare doesn't? That involves choosing between a Medicare Supplement (Medigap) with a stand-alone Prescription Drug Plan or a Medicare Advantage (Part C) plan. There could also be penalties you are not aware of.
I understand the unique concerns you face. It can be tough to find trustworthy information. I am here to provide the clarity and direction you need to move into this next stage of your life with confidence and ease.
I recommend that clients sit down with a professional who knows how to assist them. I don't recommend working with someone over the phone. Find someone local who has good reviews and let them assist you.
Answered by Diana Garner on April 22, 2025
Broker Licensed in KY, FL, IN, OH & TN
Answered by Dana Dane on April 4, 2025
Agent Licensed in OR, AZ, CA & 6 other states
Answered by Bill Wheeler on July 6, 2025
Broker Licensed in KY & IN
Ultimately, it is the client who makes the decision, so I believe it is the agent's job to help them find the answer.
Answered by Satoshi Aoki on April 21, 2025
Agent Licensed in CA
Actions speak louder than words. Rely on friends, relatives, associates for referrals to Professionals with a Proven Track Record. Their success comes from doing well by their clients. There is no better or reliable advertising!
Answered by Thomas Magnus on June 21, 2025
Broker Licensed in CA, AZ, NV, OR & WA
Answered by Jeremy Purse on May 14, 2025
Broker Licensed in CA, AL, AZ & 5 other states
Answered by Heather Borlenghi on April 21, 2025
Agent Licensed in GA, AL, AR & 15 other states
Medicare advantage, only do these if you cannot afford a supplement plan. Pick the plan with the best network for your dr's, and lowest max out of pocket annually. Do not fall for all the freebies, they raise the max out of pocket costs, and when you get really sick you will pay a lot more money.
Answered by Gary Henderson on June 28, 2025
Agent Licensed in TX, AK, AL & 46 other states
Answered by Carol Thompson on June 8, 2025
Broker Licensed in FL, LA, MI & NC, SC, VA & WI
Answered by Toni Chavez on June 12, 2025
Broker Licensed in AZ, CA, NM, NV & UT
Answered by Mary Salmon on April 8, 2025
Broker Licensed in TX & OK
based upon your particular needs
Answered by Glenn Alterman on June 14, 2025
Broker Licensed in TX, AZ, CA & FL, NJ, OH & TN
Answered by Kelly Linster on April 15, 2025
Agent Licensed in ND, AZ, CO, IA & SD
Independent brokers are not beholden to any specific insurance provider and can help you find the right plan to meet your needs and budget.
When shopping for a health plan remember that its exactly that a health plan. The goal should be at the very least to have comparable coverage to what you had during your working years.
If there are extra perks with the plan like gym memberships or groceries thats great but the focus should be on selecting the right health coverage for you.
An independent agent can review the summary of benefits, deductibles, copayments, coinsurance and verify that your doctors and prescriptions are covered by plan you select.
Answered by Donnie Vermillion on May 12, 2025
Broker Licensed in TX
Answered by Jessica Breland on April 9, 2025
Broker Licensed in LA
Answered by Lenora Sikkenga on June 24, 2025
Broker Licensed in NV
Tags: Advice for Seniors
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