If you’re new to Medicare or if you have Medicare and your employer’s health insurance policy is rounding up, you may want to enroll in a Medicare Advantage plan or seek a Medicare supplement. Before doing so, however, you should find a trusted agent who is familiar with all Medicare plan types.
An agent who is able to assess your situation and educate you about your various plan options is better than an agent who merely tries to get you involved in a plan to earn a commission. And not discount service after sale. Agents receive renewal fees for Medicare plans, which can take several years. You are required to stay in touch and be present or ask for help with questions.
Use the following tips to find a trustworthy agent-find one at https://www.medisupps.com/
- Know when an agent breaks the rules. Some Medicare plans have strict marketing guidelines. Agents cannot call you without your permission, appear unannounced at your home, or address you in public areas and ask you to enroll in a Medicare Advantage plan.
Also, look for telemarketers who present themselves as taking survey and have an interest in the type of Medicare plan you signed up for. Often times, this is nothing but a disguised form of cold call.
- Understand the difference between a tied or independent broker or agent. Some agents represent only one insurance company; These are prisoner agents. Independent agents and brokers can represent multiple companies and, in some cases, represent dozens.
Although an in-house agent conducts a needs analysis, he will not have as many products to show you, and he can only show you what he thinks best about his limited portfolio. If you want the widest range of scheduling options, talk to an independent agent or broker.
- Where can I find an agent? If you are without an agent or your current health insurance agent does not offer Medicare Advantage Plans and Medicare Supplement Insurance, you need to find yourself a trusted agent.
There are two available options: You can either search for an agent locally or conduct your search online. To find a local agent, first ask your current agents (life, health, life, homeowner, car) for a referral. If he does not offer Medicare plans, there’s a good chance that he knows someone else who does.
You can also contact your local Council on Aging office. They are a good source if you are new to Medicare and have questions or are looking for an agent.
Should you be more interested in doing your search online, look for a
broker that represents multiple companies. Ask about the sale after the service and do not be forced to complete an application until you are satisfied with your recommended Medicare plan.
Finding a broker and planning online can end the dispute with an agent, but a local agent could be more readily available if you have problems after the sale.
When you are new to Medicare, follow these steps to get the answers you need and have multiple plans to choose from. Whichever way you go; having a Medicare supplement or a Medicare Advantage plan, it’s comforting to have someone by your side that has many options for you.