Selecting a Medicare plan is of great importance for a variety of reasons. You want the best healthcare coverage for your needs, to keep your out-of-pocket costs low, a plan that is easy to understand so there are no surprises, and to take advantage of the best opportunities at the right time. You also need to make sure there are no gaps in coverage. Depending on your individual situation, you may have even more reasons for wanting the best plan. However, because Medicare is complex and there are many different plans to choose from, it can be difficult to know what to do. Working with an independent health insurance broker can help you make sense of all your options.
We Do The Searching For You
Using an insurance broker can be a great way to find the right policy for you. They are independent agents who represent multiple insurance carriers, and they have a wealth of knowledge and experience in navigating the complex web of Medicare insurance options. They can provide you with unbiased guidance as they help you identify your priorities and needs. Furthermore, you will have access to a support team that can answer any questions you have about your policy and help you with any issues or problems that may arise. This team can also help you with billing errors, filing an appeal for coverage, accessing medications if pharmacy exceptions occur, and alerting you when your coverage options change. Additionally, brokers are familiar with each insurance provider’s underwriting procedures, allowing them to provide you with invaluable insight into your application process and potentially saving you time.
Have you ever wondered how brokers get paid?
Brokers receive a commission from the companies they represent, which is included in the cost of each policy. No matter if you use a broker or not, the rate you pay for your Medicare plan will remain the same. If you choose to enroll directly with the insurance carrier, they retain the commission for themselves instead of passing on a discount. This means that you can take advantage of the services of a broker without any additional fees. Plus, you get all the additional benefits that come with it.
Fully Certified
Health insurance brokers must take many steps to become certified and qualified to help their clients. They must first complete the required pre-licensure education as mandated by their state and pass the state licensing exam. Then, they must obtain a license through the National Insurance Producer Registry and complete AHIP Medicare certification. Additionally, they must purchase errors and omissions coverage as required by law and apply for work through a brokerage firm, such as a National Marketing Organization or National Marketing Alliance. Every year, they must renew their certifications and maintain their Health Insurance License Continuing Education. Our licensed and certified agents are located in your local area and are prepared to answer your questions and guide you through the Medicare application process—all at no cost or obligation.