05/25/2021
If you are turning 65 this year, you will most likely be bombarded with mailers from Insurance companies, Insurance Agents and Agencies telling you "it’s time to sign up for Medicare" and "we have the plan for you". It can be bewildering. So.... how do you know what to do or which plan will be best for you?
I have seen many people make their decisions based on things like, “My friend has Company A and she likes it so that’s the company I’m going with” or “I have been with Company B for 20 years and they have been good to me so I’m going with them”. You might get lucky and end up with the best plan for you but most likely will not.
When I help someone through the decision making process there are a number of factors I take into consideration, such as:
Who are your doctors, clinics and hospital preference?
What is your level of utilization of those medical providers?
Are you a Veteran?
What is your monthly budget?
How much risk are you willing to take?
Are extra benefits like Dental, Hearing, and Vision important to you?
How much risk are you willing to take?
The answers to these questions are very important in making the determination of which plan and company best suits your needs. Without going through this process you could make a very costly mistake. For example, a specific drug with Company A could cost three times a much as with Company B.
It's not out of the realm of possibility to save more than $1000 on medications. Another example is Company A has no comprehensive dental coverage and Company B has up to $2000 for comprehensive dental. A crown or root canal can cost north of $1500.
For the best results, use a certified Medicare broker who represents ALL the companies in your service area, not just two or three. Hennepin county has 8 companies with 44 Advantage Plans available. I represent them all. Brokers are paid by the insurance company not you. The plans and premiums are the same whether you go directly to the company or utilize my services, to get you enrolled.. So call me to be your competent and unbiased broker,.....it's free.
I will cut to the quick and make the process far less confusing and painful. You will walk away confident you made the right decision.
Please message me anytime with questions or call me at
612-986-8917