Verna Knight, MBA

Licensed Insurance Agent

This Is How An Insurance Agent Can Help You With Your Medicare

The multitude of Medicare plans available can be puzzling. Believe it or not, you can definitely search all information virtually, however, the thing is, there are questions that can’t be answered by just scrolling through. Although online guides and friendly advice can be useful, it is preferable to have an expert assist you in comparing your options. A licensed sales agent, also known as an independent Medicare consultant, may be able to explain and select the most suitable plan for you. Let’s talk about how an insurance agent can help you with your Medicare concerns.

What is a Medicare Broker and Agent?

A Medicare insurance broker is an expert who can assist you in evaluating and comparing the numerous different Medicare plans and benefits. There are two kinds of Medicare insurance agents. The first is an independent advisor, whereas the second is a sales representative or consultant who works exclusively for one insurance company.

Why do you need to have an independent Medicare Advisor?

Medicare advisors or insurance brokers are well-versed in the plans they represent. They must, however, accomplish yearly qualifications and pass testing to evaluate a thorough understanding of Medicare, prescription drug, and health plans. They can assist you in the following ways:

  • Help with Underwriting– If you attempt to purchase a Medigap plan beyond your Initial Medigap Enrollment Period, you will almost certainly be accustomed to medical underwriting. An underwriter will examine your current health and use this information to calculate the premium for your plan. Because of underlying health conditions, the insurance company may choose to deny your enrollment in any plan they represent. A Medicare advisor or broker can assist you in determining whether you will meet any underwriting criteria for the plans you are contemplating in order to save time.
  • Assess Your Current Insurance Protection– You’ll check in with your Medicare advisor on a regular basis to see if your coverage is still meeting your needs. If it doesn’t, they can immediately send plans that are a wiser choice and assist you in modifying them.
  • Assess Medicare Plans– It is vital that you obtain a plan that meets your requirements. A Medicare agent can assist in streamlining the plan-finding process. They’ll talk to you to get a clear grasp of your health requirements and budget situation before proposing plans that fit within these parameters. They may be willing to facilitate you in enrolling in the plan once you have made a decision.

It is absolutely an option if you don’t want an insurance broker but come to think of it. How would you like your health plan to be monitored? By yourself is also cool but not having an aid that really knows the way around is another thing, unless you’re in the industry of healthcare and have a clear understanding of how it works. And to highlight, you can get a FREE CONSULTATION from Knight and Day Solutions with Verna, a licensed and independent insurance broker, she’s been doing it for a very long time. With years of experience and training, she has done a lot already with multiple people with Medicare concerns. So what are you waiting for? Knight and Day Solutions got your back!

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