There are some things we would like you to consider.
Whether you’re just turning 65 or retiring soon, you want to work with an agency who is committed to safeguarding your health coverage for the years to come, rather than working with an agent who is only focused on a one-time assistance of seniors who are turning 65 this year.
We work for our senior clients, NOT for the insurance companies. This way, we can make sure you are getting the best possible value for your insurance premium. As you can see in the Medicare & You Guidebook, all of the Medicare Supplement plans are identical regardless of the insurance company: Each plan pays the bills exactly the same way for the same amount, and are all accepted at every Medicare provider the same way. The only difference? Sometimes, you might be paying $1,200 or more per year, depending on what is available in the marketplace.
When you turn 65, it’s important to understand your insurance options. Working with an independent agency that represents all insurance agencies will ensure you get the coverage best suited to your needs. Whether you’re just turning 65 or retiring soon, you want to work with an agency who is committed to safeguarding your health coverage for the years to come, rather than working with an agent who is only focused on a one-time assistance of seniors who are turning 65 this year.
But what happens when you sign up with a “Turning 65” only Medicare agent? They’re off the next week looking for that next “turning 65” senior and they’re not taking care of you – That’s not the customer service you deserve!
This means that our senior clients like a health care plan with no hidden fees or surprises – like the consistent, monthly premiums that occur with a Medicare Supplement policy. But, with a Medicare Advantage Plan you could have a big surprise when you need hospital services: increased out-of-pocket payments.
This chart shows one client’s payments after a 4-day hospital stay and outpatient procedures with the Medicare Advantage plan.
Avoid the red line that’s possible with Medicare Advantage.
Concerns of Seniors: |
MedicareSupplement |
MedicareAdvantage |
| Restrictive Network of doctors and hospitals |
NO |
YES |
| Co-Payments to Providers |
NO on Plan F or G.
Up to $20 on Plan N at Doctor |
YES – Varying |
| Up to $6,700 yearly Out of Pocket Costs |
NO |
YES |
| Health Plan Decides What Test and Procedures Are Approved For You |
NO |
YES |
| Can Your Plan Be Cancelled? |
NOCannot be cancelled as long as premiums are paid |
YESPlans are approved yearly and can be dropped. |
| Ability to Travel the Country and Use Any Doctor or Hospital |
YES |
NO |
| Is Pre-Certification Required for some Treatments? |
NO |
YESPenalties apply if pre-cert not done. |
| MD Anderson Cancer Treatment Center Included? MAYO Clinic Included? |
YES |
NO |
DO NOT CANCEL ANY HEALTH INSURANCE COVERAGE YOU CURRENTLY HAVE OR DECLINE COBRA BENEFITS UNTIL YOU RECEIVE AN APPROVAL LETTER AND INSURANCE POLICY (ALSO KNOWN AS AN INSURANCE CONTRACT OR CERTIFICATE) FROM THE INSURANCE COMPANY YOU SELECTED. MAKE SURE YOU UNDERSTAND AND AGREE WITH THE TERMS OF THE INSURANCE POLICY. PAY SPECIAL ATTENTION TO THE EFFECTIVE DATE, PREMIUM AMOUNT, BENEFITS, LIMITATIONS, AND EXCLUSIONS.
Your premium may be subject to change based on your medical history (pursuant to state law of residence), the underwriting practices of the insurance company and other relevant factors, such as changes in rates that take effect before your requested effective date. The insurance company always determines your actual premium.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all your options.
A licensed insurance agent/producer may contact you.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS, AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), BOOK A CALL WITH A LICENSED INSURANCE AGENT/PRODUCER BY CLICKING THE LINK ABOVE. OR CALL AT THE TOLL-FREE NUMBER SHOWN ON THE CONTACT US PAGE.
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