Why Do I Need a Medicare Insurance Agent?

Medicare insurance agent. Who needs them? Medicare is simple. Pick the lowest rate. Why use and insurance agent? Cut out the broker. Go direct to the carrier. Save the commission.

You Don’t Need an Agent

Medicare expert? Truth is, you don’t need an agent to SELL you a Medicare plan. You can use Medicare.gov, go direct to a carrier or even use one of those online “FREE” quote services. But how will you know if you picked the right plan or paid too much?

Ask a Medicare expert.

Will you save money by eliminating the middleman?

No. This video explains.

Does an Insurance Agent Offer Real Value?

Experience.

About 70% of those who turn 65 and are enrolling in Medicare for the first time have never bought health insurance before. Most people will need to get it right the first time. For many there are no Mulligans. No do-overs. This may be your only chance to buy a Medicare supplement plan.

Medicare supplement rates change every year. Old carriers are retired. New carriers enter Georgia with low initial rates.

You can change Medigap plans anytime you want . . . as long as you are healthy. Medicare expert and insurance agent Bob Vineyard will help you find the right plan that fits your needs and budget.

Those Pesky Drug Plans

Medicare Part D drug plans are complicated. Deductibles, formularies, copay’s, preferred pharmacy’s change every year.

Too many people pay too much for their Medicare drug plan.

Could be they bought the same plan their friends have. Wrong.

Maybe they bought from the carrier that issued their Medigap plan. Wrong.

Sometimes seniors will shop on their own and pick the plan with the lowest premium. Not always correct. Not always wrong. But the criteria is definitely wrong.

Many times they buy a plan suggested by an insurance agent that really doesn’t understand Medicare Part D. This happens way too often.

Check out my YouTube Channel and review drug plan videos.

Learning the Language

Welcome to the world of Medicare where almost everything is a TLE and has an acronym. Here is a friendly introduction.

TLE = Three Letter Entity

CMS = Center for Medicare (and Medicaid) Services

MSN = Medicare Summary Notice

PDP = Prescription Drug Plan

ABN = Advance Beneficiary Notification

Having fun so far. You can’t tell the players without a scorecard.

Confused?

You have questions. We have answers. Call or email.

Do You Need a Medicare Expert?

Nope.

You can DIY. (Do It Yourself).

But if you mess up who can you blame?

You can spend hours online researching. Attend seminars. Invite strangers (insurance agents) into your home.

But they don’t leave until you buy something or call the cops.

You could also sort through the mountain of information that comes in the mail. Ask your hair stylist or members of your bridge club. Does anyone still have bridge clubs?

Buy direct from a name you trust. Here is a tip. Medicare carriers with familiar names often overcharge, sometimes by hundreds or thousands of dollars per year.

Why?

Because they can.

They know you are buying on name recognition and have not researched. You trust them to treat you right.

They will take advantage of that trust and profit from your lack of understanding.

Give Me 10 Minutes

That’s all I ask.

Look over my website. Watch my videos. Call or email.

Yes, I am an insurance agent. But also an expert with over 40 years experience.

And just like you, I am enrolled in Medicare.

If you don’t feel comfortable with my advice, move on. No hard feelings. I don’t chase. I don’t beg.

Either you want my help and advice or you don’t.

Not only will I save you a lot of time and keep you from chasing rabbits, but you will also learn how to maximize your Medicare dollars.

And isn’t that what this is all about? Finding real value in the advice offered by a Medicare insurance expert.

#GeorgiaMedicareExpert #GeorgiaMedicarePlans

International Travel Medical Insurance

Does Medicare Cover Travel Outside the U.S.? Original Medicare has nominal coverage outside the United States. Medicare defines “outside the U.S. as anything OTHER THAN the 50 states, Districe of Columbia, Puerto Rico, U.S. VIrgin Islands, Guam, … [Continue reading]

Georgia Medicare Gives Thanks

Georgia Medicare Looks at 2018 As Dickens said, "This is the best of times and the worst of times." Like all years, there are times when things are good and times when things are not so good. From a business perspective I would give this year a 9 … [Continue reading]

Do You Want Fries With That?

Would you like fries with your Medicare plan? What do you know about those who offer advice about Medicare? https://youtu.be/uMROeyRxqEI Picking a Medicare Plan is as Easy as Ordering Lunch Picking a Medicare plan while blindfolded is what happens … [Continue reading]

Medicare Open Enrollment 2019

Medicare Open Enrollment 2019. Shop Medicare supplement plans and Part D. New, lower Medigap premiums. Are higher drug costs coming in 2019? https://youtu.be/w6qzNrk9AWc Who is invited? Who should stay home? Can anyone help navigate the Medicare … [Continue reading]

Rich Man, Poor Man – a Tale of Two Scanners

It was the best of times. It was the worst of times. Does where you receive medical treatment make a difference? If two different facilities use the same CT scanner shouldn't the pricing be about the same? Ben Hayden had a pain in his abdomen . … [Continue reading]

Answers to Common Medicare Questions

I have answers to your most common Medicare questions. Here are just a few examples of questions asked by people just like you who are turning 65. How do I know which Medicare plan is right for me? When should I enroll in Medicare? Should … [Continue reading]

Medicare Supplement – What If You Just Bought?

Let's say you turned 65, enrolled in Medicare and just bought a Medicare supplement plan. Did you make the right decision? What are some of the traps and mistakes? Please take 3 minutes to read this then decide if you need to reconsider your … [Continue reading]

Free and Low Cost Prescription Drugs

Medicare resource for free and low cost prescription drugs. Are you 65 or older and can't afford your medications? Paying too much for generics? Medicare's annual election period, commonly referred to as open enrollment, is the only time of year when … [Continue reading]

Medicare Open Enrollment 2019

Medicare 2019 Open Enrollment starts on October 15th and ends on December the 7th. Who is affected? How do you decide what to keep and what to change? Where can you get answers to your questions? Don't get distracted by the hype. During this … [Continue reading]