Should I work with an insurance agent to buy my Medicare supplement insurance?
As an insurance agent I often speak with folks who are initially cautious about wanting to speak with me about buying medicare supplement insurance. They often ask me:
“Why should I work with an insurance agent to buy my Medicare supplement insurance?”
They’re not sure whether I have their best interest in mind. So, I’ll often hear something like:
- “I’m just starting my research”
- “I only want to compare prices right now”
- “I was just checking the internet”
- “I’m not ready to make a decision”
- “Just looking”
Luckily for both of us, I DO have their best interest in mind. I’m confident I can help, and I’m confident in my ability to point those I can’t help in the right direction. Based on my years of experience I know I can be an integral part of the research process for folks looking for the best Medicare supplement insurance coverage for their needs.
Insurance Agents can save you time, money AND your sanity!
Insurance agents provide more than just insurance policies. We are educators, guidance counselors, tour guides, and translators. When all is said and done, the conclusion of a search for insurance invariably ENDS with an insurance agent.
And here’s the best part, our expertise and services are completely free to you!
The interesting thing is many people would be better served working with an agent, like myself, from the very beginning.
Because a knowledgeable agent can be your guide, showing you your options and pointing out potential mistakes or choices with potentially negative consequences. You still make the decision, but it’s an INFORMED decision based on expertise and knowledge provided to you by your agent/guide.
When should you include an agent in the decision making process?
Making a decision on your insurance is a process, and everyone has a different circumstance.
Part of the process in finding the right insurance is to determine your situation, evaluate what rules of Medicare may apply to you, understand how Medicare works, how a Medicare supplement plan works, how and when Medicare covers prescription drugs, evaluate the differences between Medicare Advantage and Original Medicare with a Medicare supplement, assess those differences and know which side of the fence suits you, then (and only then) start the shopping process.
You could start that process all by yourself, and many of our clients do, but coming to a knowledgeable and friendly agent earlier can save you a lot of frustration later.
For folks already on Medicare, the answers you need may be different. You may need to find out what type of plan you have, and address other important questions such as:
- “Am I healthy enough to switch plans?”
- “Am I in the right period of time to make changes?”
- “Who do I call to cancel my current insurance?”
- And, “just what was that plan my brother/sister/mother had when she told me, I don’t pay anything?”
Again, starting with an agent can save you hours and hours of confusion and frustration as you try to gather all this knowledge and make an informed decision.
Shopping for Medicare supplement insurance can be a confusing process!
With dozens of companies offering dozens of Medicare supplement plan options, as well as prescription plans, and auxiliary insurances like Dental, Vision, Hearing, and Final Expense Life insurance, finding retirement health insurance coverage can be a very confusing process.
There is a LOT more than just looking at some generic rate sheet or quote generated by a computer.
Are you spending time reading webpage after webpage, searching one topic after another, seeing quote after quote, and wondering, “Does this apply to me?” Are you then annoyed when you discover that the quote you were given online isn’t even correct because it turns out you qualify for additional discounts?
Where is the joy or wisdom in struggling to figure all this out alone?
The insurance agency and the insurance company you purchase your Medigap plan from (or any competing plan) can have HUGE implications on the quality of coverage you receive, the financial outlay of your healthcare both now and in years to come, and the level of service you receive. All of those, plus your agent’s level of expertise, can have large and lasting impact on your life.
Most retirees have a fixed income and for those on Medicare with a finite nest egg, the last thing you want is a healthcare plan that prematurely drains that precious resource.
The agent’s number one job is to help you protect your nest egg.
As agents our number one job is to help you protect your retirement nest egg with the best Medicare supplement insurance at the best rates for your specific needs. We do that by evaluating all the information mentioned above, and more, to help you identify the best possible options for your unique situation.
The fast and effective solution is to speak with a professional. There is no time better than now to get the best information, from the best source.
Whether you plan to retire in 1 week, 1 month, or 1 year, there are many questions that we all have as we approach THE BIG DAY!
For those already enjoying retirement, switching Medicare supplement plans shouldn’t be stressful, and you shouldn’t stay in a plan that is breaking the bank for fear of the unknown. There are many questions surrounding Medicare and a simple consultation with a licensed agent can clear most of them up for you.
How GoMedigap can help you with Medicare supplement
My company, GoMedigap, represents over 30 companies nationwide including such companies as Blue Cross Blue Shield, Mutual of Omaha, Cigna, Aetna and a many more. We take a non-biased and educational approach to helping you understand Medicare supplements, how to shop for them and how to find the best value for your coverage. Our goal is to help you and all our clients find the best possible rates for the best possible coverage from reputable insurance companies.
And one of the best parts of all of this is: our service is completely free to you!
Why buy Medicare supplement from an Agent?
Why buy Medicare supplement insurance from an agent? Because we provide you with the expert advice and guidance to help you make an informed decision, in a fraction of the time you might spend trying to do it yourself. Our goal is to protect your retirement nest egg by helping you find the best Medicare supplement insurance at the best possible rates for your situation. And our services are completely free to you!
If you’re in the market, either because you feel you may be spending too much for your existing Medicare supplement coverage, or you’re looking for a Medicare supplement for the first time, contact us first.
With our A+ rating from the Better Business Bureau and 5-star rating with such services as TrustPilot, you can feel comfortable that you’ll find the best coverage at the best price, and enjoy the experience as much as our many other clients have.
Call us toll-free for free advice and friendly guidance at (866) 894-3258 between 9am and 5pm Central time Monday through Friday. We look forward to serving you!