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.
Table of Contents
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?
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.
You have questions. We have answers. Call or email.
Do You Need a Medicare Expert?
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.
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.