Why use a local agent when looking at Medicare or Health Insurance options?

You cannot turn on the TV or open your computer without seeing dozens of celebrities or actors talking about some great benefits that you may be missing with your health coverage. You’re then directed to a call center, and that’s where things can go wrong.

Making decisions about Medicare and Health Insurance requires much thought, planning, and research. It’s important to work with someone familiar with the options available in your county and state. If you’re working with a local, licensed agent, they will do the research to make sure your prescription drugs are covered and your doctors and healthcare facilities are in network with the plan you’re considering.

It’s tempting and easy to pick up the phone and work with a call center. During this pandemic, a telephone consultation may be safer than an in-person meeting. Local agents can do both. Also, consider who will be there to answer a question when you have an unexpected medical bill or claim denial. Your local agent is more than an order taker; they are your advocate and regular resource for all your questions.

We’ve often seen the unfortunate outcome when consumers end up with the wrong health plan. Prescription drug prices can become unaffordable because nobody did the research. A critically important specialist may not be in the network and therefore the client cannot visit the doctor that treated them for years. We spend a lot of time helping people get out of these situations; a little more work in the beginning can save people time and money when it comes to their healthcare.

Would you go to an orthopedic doctor for stomach problems? Would you see a divorce lawyer for an automobile accident? Of course not, and the same holds with insurance. Some agents specialize in life insurance, annuities, long-term care, disability, accident insurance, home insurance, automobile insurance, to name a few. Find an agent that specializes in Medicare and Health Insurance; this field, like the others referenced, has many nuances when it comes to co-pays, deductibles, networks, etc. Work with a local professional experienced in helping find the health plan that meets your specific needs and budget.