Medicare and Insurance Agentsby Denise Early on Oct. 12, 2010, under Health
I have decided to write about insurance agents who work in the Medicare market because I have been critical of agents/brokers who seem more interested in making money than helping their clients. There are insurance agents who swoop into Tucson from Phoenix, sign people up for a Medicare Advantage plan, and are never heard from again. But there are many insurance agents/brokers who work very hard to match their clients to the appropriate Medicare coverage. There are many agents/brokers who are there for their clients when they have problems with their Medicare Advantage or Part D plan. There are even agents/brokers who help their clients get social services help – acting like social workers.
If you have your agent’s card and you have questions about your current coverage – and you are thinking of shopping around….please call your agent. If the insurance agent who signed you up for your Medicare Advantage plan is not from Tucson…..find someone local who can help you evaluate your coverage.
Trying to sort through the details of four or five Medicare Advantage plans is complicated and confusing – but a good insurance agent/broker can help you in the following ways.
A good insurance agent will tell you a Medicare Supplement might be better for you than a Medicare Advantage plan and will explain the difference in coverage and cost.
If you are looking at Medicare Advantage, a good agent will tell you which plans your doctors are contracted with.
In evaluating an Advantage plan, a good agent will take the list of your medications and tell you what your co-pays will be.
A good insurance agent will not push you toward one plan, but will match you to a plan (or plans) based on your doctors, your prescriptions, and how you feel about having low co-pays vs a big network of doctors and hospitals.
A good insurance agent will tell you to call him/her if you have any questions at any time during the year.
Medicare choices are many and confusing. A good insurance agent can help you through the Medicare maze. Be sure to choose an agent who seems more concerned with your interests than with his/her opportunity to make a commission.
FOR MORE INFORMATION, SEE MEDICARE CHOICES OF ARIZONA.