Whenever I go shopping, I always look for the longest checkout line at the register. The reason is that I enjoy reading the magazines and catching up on the Hollywood gossip. About two years ago, I got on the longest line and started reading a magazine. A couple got on line right in back of me and they were talking loud enough for me to hear about the Medicare brochures they received in the mail. The wife said all the information is very overwhelming, and she has no idea how they are going to make a decision about what do. I turned around and said I will be very glad to help you make a decision about Medicare. As an Independent Health Insurance Broker, I appreciate how complicated it is to understand Medicare and all of various options.
In a few days later, I meet with the couple, who were turning 65 in three months, at their home to discuss their Medicare options. First thing I did, I prepared a “needs” assessment. I went over all the aspects of Medicare and answered their questions. Next, I reviewed their different options and made recommendations. They were very grateful to me for helping them and explaining everything to their understanding. They decided on a Medicare Supplement because of the freedom of choice and the fact that they can go to any doctor or hospital that takes Medicare. The couple in the checkout line thanked me for my patience and helping them with their Medicare needs.
Approximately six months before people turn 65, they are bombarded with a plethora of information from various insurance carriers about Medicare Supplements. Couple this with the fact that they are psychologically stressed out about turning 65, this is an extremely confusing and overwhelming time. I am glad to meet with people and patiently explain Medicare Supplements, what it covers and what it costs.
Medicare Supplement policies, also known as “Medigap” policies, cover some or all of the expenses that Medicare Parts A and B do not cover. Ten standard plans are available, labeled “A” through “N”. Not all plans are available in all states. Medicare Supplements aren’t a government benefit, like Parts A and B. They are insurance policies sold by private insurance companies. Please contact me anytime if you have questions and need assistance.
