Everyone who has Medicare (over 40 million people) needs help figuring out how to best use it. It’s hard to get good information about Medicare on your own. Millions of seniors pay too much for their healthcare because they don’t have all the facts.
This isn’t their fault. The system is very complicated. There are dozens of waivers and billing tricks that may end up costing you big money.
A Medicare insurance agent can help answer your questions. They’ll also help you navigate through the process.
If you’re asking yourself “how can a medicare insurance agent near me help me?”, then continue reading and you’ll find the answers.
1. Help You Understand Medicare and Maximize Your Options
The best thing to do before investing in Medicare is to get help from an agent. The government healthcare program may be very confusing. Yet, an insurance agent can make it much easier to understand.
First, they’ll run through all your options and help you find plans that fit your specific needs. Then, agents can also provide valuable advice about how to maximize those benefits.
This will help you minimize out-of-pocket costs. During each step along the way, they can work with you to decide if supplemental policies are right for you.
2. Help You Avoid Scams
One of Medicare insurance agents’ duties is to help people avoid scams. You might be shopping for Medicare advantage plans or services online and come across something that looks too good to be true.
Yet, it probably is. A Medicare insurance agent has legal authority over providers, so they can refer you to legitimate organizations. They also steer you away from unnecessary expenses—saving you both time and money.
3. Assist You in Improving Your Quality of Life
Your Medicare insurance agent can offer tips and tools to help you improve your quality of life. A good one will go above and beyond when it comes to customer service. They’ll make sure that you have all your questions answered understandably.
They’ll also be able to point you toward resources to help to maintain independence. This could include information about transportation or home repair, or even about how to prepare for retirement. The more they know about your situation, the better they’ll be able to fit your individual needs.
4. Save You From a 10% Penalty on Early Withdrawals From Retirement Accounts
Many people think that taking money out of their retirement accounts is breaking a rule. But there are times when it makes sense to pull your retirement savings early.
A Medicare insurance agent can help you understand when it’s appropriate to withdraw. By having an agent who understands your situation, you might be able to avoid paying an extra 10% penalty on top of any income taxes you have to pay
5. Help You With Your Medical Supplies
Medicare insurance agents will be able to help locate specific companies that will provide your supplies at discounted rates.
Medicare doesn’t cover everything, so having an agent who can help you find these deals is essential for your medical supplies. They can also make sure you are getting all your benefits and not paying for things you don’t need to pay for.
6. Discuss Your Options for Complications or Emergencies
Medicare insurance agents can also discuss your options for complications or emergencies. It’s important to know that Medicare does not cover care in these situations. Yet, it’s good to know your other options for recovery.
7. Assist You in Choosing the Right Plan
It’s your health, so you must do your research. Agents are well-versed in Medicare plans and will be able to help you compare plans, making sure you get coverage that fits your needs.
They can also highlight the potential pitfalls of any plan and identify how one is better for you. Also, agents can guide you through Medicare eligibility requirements.
If you qualify for Medicare based on age or disability status, an agent can help with general enrolment. They’ll inform you about plans offered in your situation. If there are options available to further lower costs, your agent will inform you.
8. Assist You With Payment Handling and Filling Claims
Medicare helps by providing you with a year of Part A (hospital) and Part B (physician services). But, it’s up to you to file your claims correctly and make sure they’re processed properly. Many people wait too long to address issues, which leads to having claims denied or delayed.
An agent can help review your insurance policy and assist you in filing any claims or appeals. You’ll know when each payment is issued because he/she will send reminders about your claim status.
They may also be able to help you file for reimbursement for services received from providers that don’t accept Medicare as payment. It can also take days or weeks for paperwork to go through.
Yet, an agent will be able to get things moving quickly on your behalf. This is especially important if you have an urgent medical need or emergency where time is of the essence.
How to Find a Medicare Insurance Agent Near Me
Finding a Medicare insurance agent can seem like an impossible task. But finding one doesn’t have to be overwhelming at all, especially if you know what to look for.
If you need help with Medicare, a medical insurance agent can guide you through the process.
Now you know the benefits of a Medicare agent and where to “find a Medicare insurance agent near me.”
We’re happy to walk you through all your options, answer your questions, and make sure you get all you need from your Medicare plan. Click here to schedule a free consultation today.