Legislation is changing the health care landscape. Somewhat. Copays are larger. MOOPs are bigger. Drug coverage is trimmed. We are perfectly willing to discuss these changes candidly with you. The changes for your existing policy are listed in your Annual Notice of Change.
If you're looking to change your existing policy, read on...
Given that you are the only you that has ever existed and will exist, you must make decisions for you in your best interest.
Your health coverage must be your decision. You need a factual source to make a factual decision. We have plans from several companies.
Usually, if you are happy with your existing coverage and you do not expect your circumstances to change, the best advice would be is to...stand pat. Most plans automatically rollover. However. Because of the changes in funding the benefits of Medicare drug plans, the companies .
If you decide you want to change, contact us - we'll have a pleasant conversation. We do not cajole, pressure, push or dictate. We have plans from several companies.
By law, any one plan offered by any one company in a geographical area is the same for all sellers and beneficiaries. Exactly the same. Same benefits. Same cost. Same availability. Same rules.
However, Plans vary by company as each company makes benefit decisions within a lawful range that they feel might appeal to buyers.
Advice comes from everywhere: family, friends, influencers, news, misinformation, agents (local and Not). However well meaning, it's really opinion as it may not apply to you in your circumstances. Of all the sources, a local Licensed Agent is usually going to give good advice because they are financially liable for what they say and do. Valid experience counts. Licensed Agents never charge any fees for either advice, enrolling or servicing. Ever.
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 (MOOP) as that sets your overall risk for the upcoming year. Recall the facts are that better benefits over Here usually mean worse benefits over There.
Keep in mind. 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.