Our goal is to ensure that everyone we serve is informed and well-educated about Medicare and the various Medicare Supplemental Plans associated with Medicare.
What we do is seek out the perfect affordable Medicare Supplemental Insurance Plan and rates that fits each and every person’s personal needs and budget. We strive to fully inform, educate and guide every customer about the plan(s) being considered in order to acquire ideal rates from premier Medicare carriers within the United States.
Medicare Advantage Plans
When doing your research on affordable Medicare insurance plans, be sure to take a look at the total cost of the plan (as opposed to just looking at the premium). Often times, consumers looking for an affordable supplemental plan can be misled into believing that a plan appears to be free or carries a minuscule monthly premium; however, when looking at the best Medicare Advantage Plans, you may be surprised to learn that only 3% of the plans receive a 5-star rating, while 35% of the plans receive a 4 or a 4.5 star rating.
A large amount of plans are utilizing lists of preferred pharmacies, in which the procedure may be the cheapest, but you have to consider whether these pharmacies are actually located near you. Whenever it comes to Medicare information, make it a habit to always ask tough questions, because it can most certainly save you money and time down the road to better understand all aspects of the policy you are interested in or have already obtained.
Independent Medicare Insurance Agents and Brokers
With Medicare Supplement Insurance, there is a variety of factors that influence the company you will work with. However, the difference in coverage is not among these factors. That’s because the only real difference between companies is the monthly premium and their methods for setting their rates. Independent agents and brokers help you in identifying companies that will be the most cost effective and will be honest in evaluating their financial strength to help you stay informed about the company’s history and track record, as far as annual increases compared to the next company. On the other hand, a captive agent is, more often than not, only going to give you their company’s side of the story.
Be sure to always compare Medicare Advantage Part C plans side-by-side and be sure that they include your current primary care doctor(s). Indeed, when assessing a Medicare Advantage Plan, you may often find that your primary care physician will not be included. Should this be the case, then it’s important to look into new doctors and make sure that you are comfortable about the changes a new plan would necessitate before moving forward. Remember, when choosing an affordable supplemental insurance plan, always make sure you feel secure about your final choice as making changes afterward may require a waiting period or enrollment period.