If you’re 65 or older, this is the time of year when you can’t turn on your TV or go to the mailbox without seeing an ad for Medicare. That’s because now is the Medicare enrollment period and everyone who sells Medicare products is vying for your attention.
There’s a lot of confusing information and misinformation out there, so we encourage you to talk with a trusted provider like Eileen, Lisa and Julie at Charles Leach. These professionals can provide the guidance and education you need to make the right decisions regarding your Medicare coverage.
Medicare Update: Where Should You Start?
The first step is to determine which track you want to pursue. There are two options:
- Traditional Medigap
This means you are enrolled in Medicare, and you will need to purchase a supplemental plan and a prescription plan.
- Medicare Advantage
This means that A, B and D are bundled together and may even have a zero premium. There are a variety of options to choose from which can include things like a fitness benefit, dental, hearing, over the counter products, and groceries for healthy eating.
The Medicare Specialists at Charles Leach will help you determine which track you want to use, and then help you sort through the various products to find the ones that will work best for you.
What Are We Seeing This Year With Medicare?
This year, plans continue to improve. Advantage plans have reduced copays and have improved benefits. Medicare Plan B’s premium has gone down $5.20 this year to $164.90 a month.
The other change we are seeing is that Medicare has become even more complicated as more insurance carriers have moved into the space. Selling Medicare products is very lucrative, and as a result, has brought unscrupulous players into the industry. Many of these companies use celebrity endorsers to get people to call a toll-free number, where they are manipulated into buying a product they don’t understand and, often, didn’t mean to buy.
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There’s a lot of confusing information and misinformation out there, so we encourage you to talk with a trusted provider like Eileen, Lisa and Julie at Charles Leach. These professionals can provide the guidance and education you need to make the right decisions regarding your Medicare coverage.
Medicare Update: Where Should You Start?
The first step is to determine which track you want to pursue. There are two options:
Traditional Medigap
This means you are enrolled in Medicare, and you will need to purchase a supplemental plan and a prescription plan.
Medicare Advantage
This means that A, B and D are bundled together and may even have a zero premium. There are a variety of options to choose from which can include things like a fitness benefit, dental, hearing, over the counter products, and groceries for healthy eating.
The Medicare Specialists at Charles Leach will help you determine which track you want to use, and then help you sort through the various products to find the ones that will work best for you.
What Are We Seeing This Year With Medicare?
This year, plans continue to improve. Advantage plans have reduced copays and have improved benefits. Medicare Plan B’s premium has gone down $5.20 this year to $164.90 a month.
The other change we are seeing is that Medicare has become even more complicated as more insurance carriers have moved into the space. Selling Medicare products is very lucrative, and as a result, has brought unscrupulous players into the industry. Many of these companies use celebrity endorsers to get people to call a toll-free number, where they are manipulated into buying a product they don’t understand and, often, didn’t mean to buy.",
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