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10 Benefits You Get From A Medicare Insurance Broker

Health insurance has become such a complex field that it’s time to ask whether it’s even worth trying to tackle it on your own. In certain conditions, we can get a considerable amount of help from sales professionals who have the expertise to steer us through our options. Working with a licensed Medicare insurance broker might well be our best options. Your healthcare and insurance decisions make a significant impact on both your health and your finances, so it makes sense to take advantage of every possible insight before you make your choices. A licensed agent may provide the best possible Medicare insurance knowledge and make it easy for you to find a plan that delivers all of the benefits you need at an affordable cost.

The Fundamental Medicare Options

When you first enroll in Medicare, you’re presented with an important choice right up front: Do you opt for Original Medicare or take your benefits in the form of Medicare Advantage? Here are the differences between the two options:

Original Medicare

Original Medicare is sticking with the established federal program that administers benefits to you through Part A (covering hospital care) and Part B (more general medical insurance). Enrollment in Part A is automatic when you reach 65 years old; enrolling in Part B is a choice that’s up to you. Part B enrollment involves paying a monthly premium and offers you a yearly deductible.

Medicare Advantage

Medicare Advantage plans are private insurance offerings that deliver the same benefits as Original Medicare through an insurer acting as an intermediary. By law, Medicare Advantage (MA) plans have to deliver all the same benefits as Original Medicare’s Part A and Part B. The potential advantage is that many MA plans deliver more benefits for the same cost. Examples of extra benefits include prescription drug coverage, dental services, hearing exams, vision care, and more. Note that under most MA plans, you need to receive care within your provider’s network; going to out-of-network sources will require you to pay more. A licensed sales agent can help you decide whether or not Medicare Advantage is the right choice for you.

Medicare Coverage Supplements

Many people who have already enrolled in Original Medicare look for additional health insurance to meet needs that it does not address. Such support can be provided through Medicare Supplement, or Medigap, policies. If you apply for Medigap insurance as soon as you are eligible for it, you should be able to enroll for any qualified Medigap policy without going through any medical underwriting. While the coverage provided in a Medigap policy is standardized, costs vary with different providers. A licensed broker can help you find the plan that best suits your needs.

Prescription Drug Coverage

Neither Medigap nor Original Medicare coverage includes prescription drugs. A prescription drug plan, commonly referred to as Part D of Medicare, is a standalone piece of private insurance that is designed to partially or fully meet your prescription drug costs. Consult a licensed insurance agent to find out whether or not you can benefit from a Prescription Drug Plan, or PDP. The benefits various plans have to offer you will depend on both your financial resources and your individual medication needs. Different providers’ plans cover different formularies, or drug families. It’s vital to confirm that any new PDP covers all of the brands and dosages you’re currently taking. Expert help is very valuable in sorting through PDPs due to the wide range of pricing options available to you.

Why It Makes Sense To Work With A Broker

Getting help from a licensed sales broker to help you make your Medicare insurance arrangements is a great idea. Brokers can deliver significant advantages over trying to puzzle your way through your insurance options on your own. Here are 10 of the best benefits a Medicare insurance sales agent can give you:

1) Medicare Expertise

The sheer volume of health insurance information available to you when you first become eligible for Medicare can be overwhelming. Medicare insurance is significantly different from the sort of insurance coverage you may have received through your employer or from other family members. While Medicare insurance is issued to the individual, the choices you make can affect your family. Licensed brokers have the expertise to show you what impact the different structures, benefits, plans, and costs can make on your future. Insurance sales agents are also skilled at considering your individual lifestyle needs. You already be retired when you reach eligibility for Medicare, or you might be planning to keep on working. Your unique situation will impact your Medicare choices, and your insurance sales agent can adjust your options accordingly.

2) More Options

Independent brokers let you examine Medicare insurance options offered by a variety of different providers. Because of the breadth of their professional contacts, licensed brokers can help you consider thousands of plans offered through hundreds of different companies. You can trust your broker to provide unbiased “apples to apples” comparisons of your different options. The more options you have to choose from, the greater your odds of landing on the best Medicare insurance plan for you.

3) No Cost

You do not have to pay any extra to secure the services of an insurance broker. Insurance brokers are paid by the providers; the rates you pay are the same whether you make all your own arrangements or confer with a broker to get yourself enrolled. Why not take advantage of expertise that doesn’t cost you anything?

4) Professional Training

Sales agents who are licensed for Medicare work earn those licenses by completing rigorous and constantly-updated training and education. Beyond their training, licensed sales agents also have convenient access to professional information that can make a significant impact on your Medicare choices. Note that in most cases, you have a limited window for changing your Medicare insurance coverage. The Annual Enrollment Period lasts only from October 15 to December 7. Making unwise choices can find you stuck with unsatisfactory coverage for up to twelve months.

5) Customized Guidance

One of the greatest advantages of working with an insurance agent is the comfort of having your Medicare insurance choices tailored expertly to suit your specific needs. Finding great coverage at an affordable price without being forced into lifestyle changes is something that every Medicare beneficiary deserves. Consider your insurance agent as a personal adviser who is collaborating with you in your search for the ideal Medicare insurance plan. A capable broker who treats you as a unique individual stands the best chance of finding the perfect plan for you and your family.

6) Faster Results

Whether you’ve already retired or not, you’re still a busy person, and you have better things to do with your time than poring through insurance documentation for endless hours. Trust an experienced broker to conduct thorough research much faster than you could on your own and present you only with the most favorable results. You needn’t waste any time considering options that don’t fit your needs.

7) Benefits Of Experience

Many licensed sales agents have worked in the Medicare field for years. That translates into real experience that can benefit you when you work with them. Actual hands-on experience is an unbeatable teacher, and having helped others in the past enables your agent to steer you clear of common pitfalls while you work out your Medicare choices. An experienced insurance agent can teach you everything you need to know about Medicare processes, terminology, and insurance.

8) Local Expertise

The specific plans available will vary based on where you live. By working with an agent in your community, you’ll gain the benefits of further insight sharpened by experience with your local insurance and healthcare markets. Local agents are especially well-informed about local healthcare providers and suppliers and how they interact with Medicare.

9) An All-In-One Solution

In many cases, licensed sales agents can guide you to a one-stop solution for your Medicare insurance needs. Modern technology makes it much easier to assemble all the information required to make informed Medicare decisions quickly. Many agents can even provide 24/7 assistance and answers to all of your Medicare questions. Licensed sales agents typically provide a wealth of online assistance, enabling you to learn a great deal, conduct research, and even enroll in some Medicare Advantage plans, Long term disability, or even senior life / burial insurance all from a single website.

10) Post-Sale Service

Don’t think of your broker as someone you’ll never see again after you’ve purchased insurance. Your broker continues to be a resource and advocate for you in years to come. Your insurance needs are likely to change over time, and your agent will always be there to help you adjust your coverage accordingly. Conducting a brief healthcare coverage review on an annual basis is a great way to ensure that you’re always fully covered.

Insurance Broker Review—Home and Auto

A bad home insurance broker can make your life a nightmare. It is hard to imagine a scenario where you lose your most precious belongings. It is even harder to fathom being denied your insurance claim on top of your loss.  You can avoid this disastrous scenario by using a reputable insurance broker.

  family-insurance-review  

For example, a lifelong friend of mine spent a good amount of time remodeling and updating his home.  He had completely gutted his house and he was doing a full remodel.  His house was in a location that could hold the value and the remodel was a great investment.  One day, a storm came by and knocked a 100-year-old tree that was in his yard down and onto his neighbor’s building—the bigger problem being his neighbor’s is an apartment complex.  Now, you may think the neighbor’s insurance company would handle this, but no.  Because the tree was in his yard he was financially responsible and because it was considered an act of God, it was not covered.  It cost him over a thousand dollars to have this tree removed.  The moral of the story is you need to do some research before you pick your insurance broker or you may also find yourself in a similar scenario.

Below is a list of things most home insurances plans do not cover.
  • Jewelry
  • Earthquakes
  • Sewer backup
  • Termites
  • Mold
  • Trampolines
  • Sinkholes
  • Acts of God
  • Dog attacks
  • Floods
  • Art
  • Pools
Not every insurance broker is the same, and there are so many to choose from.

Home insurance company reviews

  • Amica Insurance—Amica Insurance is one of oldest insurance providers. Amica Insurance was established in Road Island in 1911. They have over 100 years of experience and over the last century, they have helped shape their industry by providing home and auto insurance policies.  They have excellent customer service with very few online complaints and a real person answers their phones when you call.  Amica is known for treating customers and employees very well and their claims department is quick and helpful.  It’s easy to navigate their website and you can request a free quote in minutes.   You can also manage any existing accounts with ease.  If you require home insurance and don’t mind spending a little more you can get great coverage from a trusted company.
  • USAA—USAA is an insurance company that sells a personal line of insurance. They work specifically with veterans.  Because they are very class-specific they can add some unique benefits.  They now have extended their plans to cover the families of veterans.  If your father or mother was in the armed services, you can get a quote.  They provide a high level of coverage and their customer service is very well recognized for its continually high-quality reviews.  They are one of the best providers the only downside is they can be expensive.
  • Auto-Owners Insurance—Auto-Owners insurance is a Fortune 500 company with over a 100 years of experience in the insurance industry. They have a simple adjusting process.  They handle many corporate accounts and they specialize in large business insurance variety

Lowest ranked home insurance brokers by review

  • Farmers Insurance
  • Liberty Mutual
  • State farm
  • American Family
  • Allstate Insurance
  • Travelers
  • Metlife

Auto insurance

If you have ever argued with an insurance claims agent, you know it is not a very fun task.  Choosing the wrong auto insurance broker can cause you a lot of headaches and even worse, cost you a ton of money. Auto insurance companies are usually tailored to a certain demographic.  Some specialize in the elderly and others focus on the young crowd.  By having a business model based on a certain demographic, they are able to individualize your coverage.

Types of auto insurance coverage

  • Liability—This insurance covers you in accidents where you are found to be at fault. It includes your medical and it will cover damage you may have caused.  This type of insurance is usually the minimum required by a state.  I always recommend purchasing a more comprehensive plan as the benefits will be appreciated during times of need.
  • Collision coverage—This type of insurance will cover your vehicles repairs regardless of who is at fault. It will also give you black book value for your car if it is not repairable.  Black Book value is what your car is valued at by your insurance company.
  • Comprehensive coverage—This type of insurance covers your vehicle from non-car related incidents. These can include theft, animal and weather damages.  You should always check the specifics of any comprehensive plan to make sure it covers all of your concerns.
  • Personal injury protection—This kind of insurance covers any medical bills that may arise from your accident. Medical expenses can be exorbitant and personal injury protection can save you from crippling hospital debt.
  • Uninsured motorist protection—It is illegal to not have insurance in most states, but there are still a lot of people who choose to drive uninsured. This insurance protects you in the event you have an accident with an uninsured driver.  It also covers hit and run scenarios.
Top Auto Insurance Companies
  • State Farm—State Farm was founded in 1922 and has continually grown. It is also in the top 50 Fortune 500 companies.  It is well known for its superior coverage.
  • Geico—Geico has done a magnificent job of marketing itself. That, coupled with an impressive list of comprehensive coverage packages, makes Geico a popular choice.
  • Progressive—Founded in 1937, Progressive has been an industry pioneer. It was the first insurance company to introduce the price match comparison concept.  This lets customers see Progressives rates plus the rates of competitors in seconds.  They have an excellent claims department with lots of positive online reviews.
  • Nationwide—Nationwide originated in the agricultural sector in 1925. It has expanded to include an impressive list of coverage areas.  They have continually ranked high in customer service sectors.
AARP/Hartford—Hartford has been in business for over 200 years.  They have watched the industry grow.  They are known for their elderly driving packages.  It is rare to see a 200-year-old business, and it offers an impressive amount of experience.

You should take your time and examine these providers to see who provides the coverage you desire. 

This home and auto insurance broker review should help you find a reputable insurance company.

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