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Medicare Options – Who Works For You?

Bob Vineyard · September 6, 2021 · Leave a Comment

Medicare options in Georgia – Who works for you? Who answers your questions? Explains original Medicare vs Advantage plan? Does not charge an upfront fee? Which advisor is not paid until YOU are satisfied?

Who works for YOU, not for an insurance carrier? Are you searching for PERSONAL service from an EXPERIENCED Georgia Medicare agent?

Medicare options - who works for you

Is the person you hired knowledgeable? Are they interested in helping you find what you need and want? Do they care what your budget will allow?

Or are you merely a “mark”? Just someone more interested in finding a way to transfer wealth . . . from your pocket into theirs?

Who works for YOU?

Who will explain about Medicare A, B, C, D and all the other letters? Who did you hire?

Medicare Options and Advice – Who Did You Hire?

Who takes the time to listen to your questions and provide answers you can understand? Who did you hire to help you navigate the Medicare maze?

Who works for you?

Are you one of those DIY folks? The kind of person who wants to do things by yourself?

Who Does Most of the Talking?

Are you encouraged to ask question or are you just listening to a sales pitch?

Do you get answers to things that are important to you or is the advisor simply pushing a product?

Does your advice coach seem genuinely interested in YOUR needs or are they more concerned about how much money they will earn when you finally buy something?

How Much Does Medicare Advice Cost?

Should you PAY someone to give you Medicare advice? If so, how much is that information worth to you?

Do you pay up front and hope the information is useful or pay later?

Which Medicare plan is right for you? Do you look for the lowest premium or is it more important for you to keep your doctor(s)?

Can you have a low premium AND unfettered access to care anywhere in the country?

When is the BEST Time to Enroll in Medicare?

How do I avoid a late enrollment penalty? Can I be denied coverage if I don’t enroll on time?

The number one mistake by folks who are new to Medicare is . . . not knowing WHEN to apply for coverage.

Should I sign up for Medicare before turning 65? Does it matter WHEN I enroll in Medicare?

When will my Medicare coverage become effective?

You have Medicare questions, I have answers. Give me 10 minutes on the phone. Ask any question. After 10 minutes if you don’t feel my information is helpful we hang up and part as friends.

It’s not personal, it’s just business.

That is my Offer You Can’t Refuse.

Medicare Supplement Plans, Georgia Medigap Rates, Medicare Georgia Medicare expert, Georgia Medicare Supplement Plans, medicare advantage vs medicare supplement, medicare advice, medicare explained

Who Can Help With Medicare Questions?

Bob Vineyard · May 23, 2019 · Leave a Comment

Medicare information. Where can you find answers to ALL your questions about Medicare?

Medicare Information GA Medicare Expert
Medicare Questions – Ask a Medicare Expert

Medicare.gov is a great resource. As someone who has used that site for many years I can tell you this.

The information is mostly accurate and unbiased. Medicare.gov has answers to things you have not even considered.

Only one problem.

Unless you know EXACTLY how to ask your question you may never find the answer.

Lassie Can’t Find a Medicare Plan for You

Who CAN Answer Your Medicare Questions?

Shameless plug here.

Try asking the GA Medicare Expert, Bob Vineyard.

I didn’t pick that title. That was given to me by my clients. Over 500 of them all over the state of Georgia.

All have original Medicare.

All have a Medicare supplement plan.

Tap into my 40+ years of health insurance experience at no charge. And just like all my clients, I am enrolled in Medicare and have a Medigap plan.

You Have Medicare Questions? We Have Answers

Common Questions

When can I sign up for Medicare? How much does Medicare cost? What is Medicare Part C? I hear some plans are free. How can that be?

Can I save money by going direct to the carrier? Who will give me unbiased information?

Can I keep my doctor?

Many of your questions are available on my YouTube Channel.

You can also call or email me. If you get voice mail, leave a message. And you will NEVER hear “Press 1 for English“. I will call you back.

An Offer You Can’t Refuse

Here is my offer. You have questions about Medicare? Give me a call. Initial calls usually last 10 – 15 minutes. The length of time is up to you.

Put me through the drill. Ask any Medicare question.

If you don’t like what you hear, or don’t feel you are getting valuable information, say goodbye and we part as friends.

Nothing personal. It’s just business.

But if you feel I can help, consider letting me EARN your business.

We move along at YOUR pace. Never any sales pressure.

People love to buy but they hate to be sold.

That is my offer you can’t refuse.

Never any risk and you just might learn something.

#GAMedicareExpert #MedicareInformation #MedicareQuestions.

Medicare Supplement Plans, Georgia Medigap Rates find medicare information, Georgia Medicare expert, medicare questions

Georgia Medicare Gives Thanks

Bob Vineyard · December 10, 2018 · Leave a Comment

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 on a scale of 10. Georgia Medicare expert reflects on 2018.

Georgia Medicare expert
Turning 65 Medicare Options

The Good News

Georgia Medicare supplement clients continue to bless me with referrals. My business grows mostly by word of mouth. When my advice is useful clients remember and pass my name along to their friends.

Like that old shampoo commercial where Heather Locklear told two friends about Faberge, and they told two friends, and so on.

Good new spreads like wildfire, and it is appreciated. With more than 500 GA Medicare clients, new referrals come in almost every month.

Thank you for being generous and sharing my name with your friends.

Georgia Medicare YouTube Channel

After years of planning and hoping it would happen, I finally implemented my Georgia Medicare YouTube channel in early summer. With the help of Christy Sanchez this labor of love is now a reality.

The videos are not fancy or technically complicated. It’s just me talking to the camera the same way I speak to you on the phone. Feel free to like, share and comment on any of the videos.

Of course you can also ask questions.

Say Hello to New Medigap Carriers

I currently count almost 60 insurance carriers offering Medicare supplement plans in Georgia. Many are brand new to the Medigap business. Others are new to Georgia.

At least 6 carriers are new to the Georgia Medicare market. Each one has cut rates to the bone in an attempt to gain market share.

It’s a race to see who can offer the lowest Medigap rate.

For at least a year.

New carriers include Lumico, Western United (late 2017), Everest (late 2016), American Continental, Prosperity (gotta love that name), Mass Mutual, Unified and Pan American. I might have missed a few but that’s a mouthful.

I generally don’t recommend a carrier until they have been here at least 3 years. In the past carriers (like AFLAC) have either disappeared from the market or blew up their rates on renewal in the first 3 years.

I don’t need that kind of drama in my life and neither do you.

Say Hello to a New Name for an Old Friend

One shining star is Anthem Blue Cross. BCBSGA has been co-branded with parent Anthem for a few years now. As of July 2018 the Anthem name is on all new Medicare plans in Georgia.

Of course you can call them direct or use an agent like myself. When you go direct you are a “house account”. You will never know who will answer the phone or anything about them. 

Last week they could have been asking if you wanted fries with your meal.

When you call me you will never hear “Press 1 for English”. You get me or voice mail. Leave a message and I will call you back.

No extra charge for my 40+ years experience.

You can enroll in an Anthem Medigap plan using my link . . . if you have an hour or so to kill. 

https://brokerportal.anthem.com/ac/BobVineyardAnthemGA

Or call me direct. I can take your information in about 10 minutes.

You choose.

The Bad News

A few carriers like Equitable, Manhattan and Aetna Health and Life stopped writing new Medigap business in Georgia. If you have a plan with them you can keep it as long as you pay your premiums.

I hope to move as many as possible away from these carriers in hopes of seeing fewer and smaller rate increases at renewal.

Thank You!

Thank you for all your support, for passing my name along and especially the kind words for my Georgia Medicare YouTube Channel.

I look foward to helping as many people as possible to navigate the Georgia  Medicare maze.

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Don’t Buy Something You Don’t Need

https://www.georgia-medicareplans.com/wp-content/uploads/2020/05/Buying-Something-You-Dont-Need-GA-Medicare-Plans.mp4

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