As Medicare brokers, we specialize in guiding individuals through the complex landscape of Medicare coverage options, helping them make informed decisions that best suit their healthcare needs. Here's a brief overview of the Medicare services we offer:
Medicare Education and Enrollment Assistance: We provide comprehensive education about the various parts of Medicare, including Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage). Our team helps individuals understand eligibility requirements, enrollment periods, and coverage options available to them.
Plan Comparison and Selection: With a deep understanding of the diverse Medicare plans offered by different insurance carriers, we help clients compare plan features, premiums, deductibles, copayments, and out-of-pocket costs. By evaluating individual healthcare needs and preferences, we assist in selecting the most suitable Medicare plan for each client.
Assistance with Medicare Advantage Plans: We offer guidance on Medicare Advantage plans, which are private health insurance alternatives to Original Medicare (Part A and Part B). Our medicare brokers explain the benefits of Medicare Advantage, including additional coverage options such as vision, dental, and prescription drug benefits, as well as the potential for cost savings.
Part D Prescription Drug Plans: Understanding the importance of prescription drug coverage, we help clients navigate the complexities of Part D prescription drug plans. Our brokers assist in comparing drug formularies, premiums, and coverage gaps (the "donut hole"), ensuring individuals find the most cost-effective prescription drug coverage tailored to their medication needs.
Supplemental Medicare Insurance (Medigap): We provide information and assistance with Medicare Supplement Insurance, also known as Medigap plans. These plans help cover certain out-of-pocket costs not covered by Original Medicare, such as deductibles, coinsurance, and copayments. Our brokers help individuals understand Medigap plan options and choose the coverage that best complements their Medicare benefits.
Annual Review and Plan Adjustments: Our services extend beyond initial enrollment. We conduct annual reviews with clients to assess any changes in their healthcare needs, review plan benefits, and explore opportunities for plan adjustments or switches during the Medicare Annual Enrollment Period (AEP).
Customer Support and Advocacy: We are committed to providing ongoing support and advocacy to our clients throughout their Medicare journey. Our brokers assist with resolving coverage issues, clarifying insurance terms and benefits, and advocating for clients' healthcare needs with insurance providers when necessary.
