What is the Difference?
Adults entering Medicare will be amazed by the volume of direct mail email and cold calls that they will begin receiving months before their 65th birthday. This enormous pile of material does more to confuse than to provide any clarity.
Navigating the Medicare system, and the many different Medicare Supplement Insurance Plans, Medicare Advantage Plans, and Prescription Drug Plans can become overwhelming. When people enter Medicare, they often struggle with the plan selection and enrollment process needed to obtain the optimal coverage for their unique circumstances.
So, in addition to doing their own homework by visiting the internet, speaking with family and trusted friends who are already using Medicare, many people prefer the personal guidance and experience an independent Medicare Insurance broker provides.
An Independent broker is a licensed professional who helps you select and enroll in a plan. Independent brokers can provide you with a greater array of options, from multiple carriers, rather than captive agents who represent only one insurance carrier.
Having a broker that contracts with multiple carriers help eliminate bias, as they help you compare your options and narrow your choices. It is hard to be impartial if only selling one insurance product.
An independent broker will inquire about your preferred medical providers, the specialists you see, any prescriptions you require, and then present you with plan options within your budget and aligning with the goals you discussed together.
Brokers also add value by ensuring that their clients have a strong grasp of the process, including enrolling on time to avoid penalties and coverage gaps, and other factors associated with Medicare enrollment.
Using a MediSmart independent broker is always free to you. The premium rates you pay for your insurance are the same as if you did the work alone. Your relationship with your MediSmart broker does not end at the sale. Instead, your MediSmart broker remains a valuable resource for you and can help review your healthcare coverage needs annually so that, as time goes by, you will continue to have the right plan for as needs change and is there to answer your questions throughout the years.
Click here to read The Top 3 Reasons to Work With An Independent Broker.
About MediSmart Advisors
MediSmart Advisors are independent broker/advisors, representing many, if not all, of the important carriers in your region. Our service is always FREE to you and you are never required or pressured into enrolling in any policy. Let us help you to understand all options available to meet your specific and personal health insurance needs.