We explain, in understandable terms, how insurance works for you.
We explain, in understandable terms, how insurance works for you.
Legislation that takes effect in 2025, is changing the medicare advantage landscape. Somewhat. We are perfectly willing to discuss these changes with you.
I offer my thoughts and help to you as you consider what to do for the upcoming year.
As always, if you are happy with your existing coverage, the best advice we would give is to...stand pat. Most plans automatically rol
If you decide you want to change, contact us - we'll have a no-nonsense conversation where we'll listen to your concerns.
We have plans from several companies.
We offer online presentations (always open to the public) and individual appointments via online, phone or in-person.
As usual, the Mass Marketers will likely be making much ado about nothing. Please understand that any special deals that the marketers are hawking are also available to your local agent. To be certain, you can buy however you like...from the computer, telephone agents in whatever state, from the company direct, or, a local agent.
Please know, by law, the same plans offered by companies are the exact same plans for all sellers within a geographical area. Same benefits, same cost, same availability, and all without any agent fees.
Know that all Plans are under the same Medicare rules. In 2025, Medicare changes affect all Plans that offer drug coverage. Each company decides how to handle the adjustments.
Look over your current coverages and compare to the changes your existing insurer is making. Think about your expected needs. Consider your Maximum Out-of-Pocket as that sets your overall risk for the upcoming year. Recall that better benefits Here usually mean worse benefits There.
Recall that you are buying a medical/drug plan for medical/drug benefits. If the plan you like has attractive bells and whistles, so much the better.
Recall that most all advice, both not so good and good advice is free. Not so good advice comes from family, friends and those who might mean well but are not licensed as an agent - they hold no liability for what they say; it's just their opinion. Follow their advice at your peril.
Agents give good advice because they are financially liable for what they say and do.
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