When it comes to navigating Medicare plans, do you really need to use a Medicare agent? Here’s the scoop on what agents do and why you might want to work with one.
Do You Need a Medicare Agent?
We’ll get right on with it and answer the big question – do you need to work with a Medicare agent? And the answer is no, you don’t. Working with an agent is entirely up to you. If you know what you’re looking for and don’t have many questions, you can find and enroll in a plan directly.
However, if you’re confused about Medicare plans, have questions, or even some reservations, a Medicare agent can help ensure you have the right plan for you.
What Does a Medicare Agent Do?
If you’re seeking extra guidance with Medicare, an agent is there to provide it. These professionals help you evaluate, select, and enroll in a plan. Experienced agents have a detailed understanding of Medicare. They will be able to explain plan benefits and restrictions, as well as help you compare options so you can find the best fit for your needs and budget.
In more detail, an agent is the link between people in need of Medicare plans and the companies who offer them. While they won’t be able to help you enroll in Original Medicare (though, they can answer your questions about it!), they can help you enroll in a Part D prescription drug plan, Part C plan, or Medicare Supplement Insurance (AKA Medigap). They can answer your questions and help break down dense Medicare information in a way that makes sense. And because they get paid by insurance companies when they enroll a client, you work with an agent at no cost to you.
Are Medicare Agents Unbiased?
A common question is the bias of working with a Medicare agent. As is the case with most services, when looking for a knowledgeable and trustworthy agent, it’s all about finding the right person for you. Most agents should be unbiased and committed to helping you find the right plan that fits your budget and meets your needs. It’s crucial to do your research and find someone who will work with your best interests in mind.
Why You Might Consider Working with One
Again, working with a Medicare agent is not required. However, you may still want to work with one for various reasons. Here are a few popular reasons why people choose to get help from an agent.
Navigating Medicare Plans
Medicare plans can be complex. There are numerous plan options, combinations, benefits, rules, exceptions, and penalties – all of which can be confusing to navigate on your own. Buying health insurance is a huge investment and not one you want to mess up. If you sign up for the wrong plan, you can switch, but you may have to wait a while before you can make changes. With an ethical and knowledgeable agent, they can help you get the best value for your money and ensure you’re signed up for the right plan off the bat.
Searching Multiple Companies
To find the best health plan for your needs, you might have to do some shopping with multiple companies. One of the benefits of working with an independent agent is that they represent many health insurance companies. They can do the heavy lifting of research for you and present you with plan options from different carriers, increasing your chances of finding the right fit.
Preferred Doctors
Part C plans have networks of preferred doctors, hospitals, and other healthcare providers. If you have preferences, an agent can also help you research plan options to ensure you keep your doctor(s).
Medical Underwriting
If you’re on the hunt for a Medicare Supplement Insurance policy after your initial enrollment period, insurance companies may use medical underwriting and set the premium based on your current health condition. An agent can help you figure out if you’ll meet the underwriting requirements for the plan you want.
What to Consider When Choosing an Agent
Licensure
All Medicare agents must be licensed to work in your state. So, before choosing a Medicare agent, make sure they’re properly licensed by checking with your state insurance department.
Experience
After ensuring they’re licensed, you want to make sure an agent has solid experience selling Medicare plans in your state. The more experience they have, the better they’ll be able to answer your questions and help you find what you’re looking for. When interviewing agents, ask about the types of plans they handle and the kind of customers they usually work with.
Customer Service
Pick an agent with excellent customer service. You want to be sure they’re not only there for you to help you pick a plan, but also to answer questions you may have after the process is over. Read reviews and, if it’s possible, ask for references from previous clients.
Jeffery Insurance is Here to Guide You
If you’re looking for a Medicare agent to help you answer questions and navigate Medicare plans, you’re in the right place! Jeffery Insurance is here to help. We can answer your questions, help you understand Medicare, and help you find the coverage that will suit your needs best. Even after you sign up for a plan, we will be available every time you need us. We are based in Scottsdale but are happy to assist you no matter where you are in Arizona. Jeffery Insurance is Arizona’s health care resource!
