The best Medicare Health Insurance advice comes from experience not opinion.
You also can't compare your neighbor's experience and their Medicare plan options with your own, everyone's situation is different.
This why you must find an experienced Health Insurance Agent to help you discover what is the best Medicare plan...
An experienced Health Insurance Agent can help you in the following ways:
1) He is licensed. A Health Insurance Agent has studied the foundations of Health Insurance. After they have studied they must pass a State exam that is timed.
In other words, not only do they understand the foundations of Health Insurance, they must also answer Health Insurance questions quickly and accurately.
Also, a Licensed Health Insurance Agent should be able to read an Insurance policy and point out how it is designed, explaining the pros and cons of a Health Insurance Plan.
2) He can help you understand how to use Health Insurance.
High Deductible Health Plans, HSA's, PPO's, HMO's, HMO POS, Supplement plans, etc. Not all plans are the same. One is not always better than the other.
An Experienced Health Insurance Agent can show you how to use the plan to it's fullest. For example, an experienced Agent can show you when an HMO is a better option than a PPO, or when a Medicare Advantage Plan can save you money or based on your medical needs when you should enroll in a Medicare Supplement plan instead of a Medicare Advantage Plan and still save money.
3) He has learned from hundreds of real life scenarios.
An Experienced Health Insurance Agent is not only able to show you when you should enroll in one Medicare Plan over another. He is able to explain why.
Thousands of real life scenerios enables an Experienced Agent to identify your situation compared to hundreds of others and give real life examples as to why you should enroll in one plan over another or give you tips on how you can access resources to save money.
4) He can Help you save money. An Experienced Health Insurance Agent can show you how to financially plan for future medical expenses.
Whether that is through advice on how much you should save, resources trhat can give you discounts, plans that will lower your costs while still meeting your needs, or by identifying where you are overinsured and paying for things that you do not need.
5) He can help you avoid mistakes. An experienced Health Insurance Agent helps you avoid mistakes by advising you to enroll in a plan that meets your needs, not his commission payment.
Enrolling you in a plan that will maximize your coverage.
Also, by experience he can advise you if their are any issues with certain Health Insurance providers, Medical practices, or access to Healthcare. Etc.
These are just 5 points, there are many more on an individual basis.
The most important thing to understand is that you should not make Healthcare decisions on your own, no matter how smart you are, you can't know everything.
An experienced Health Insurance Agent knows details that are in the fine print and how a plan works in the real world.
Interview a Licensed Health Insurance Agent as to their background and types of experiences to determine if they are a good fit to advise you on healthcare coverage.
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