Choosing Your Medicare Plan
AIS Medicare & More
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Apr 08, 2021
Colorado - Southern Colorado
I often hear comments from Medicare beneficiaries about how they considered themselves to be reasonably intelligent people until they started trying to figure out Medicare. Dont worry. That is a normal feeling. Medicare can be confusing.
The first step is to choose the type of Medicare plan that fits you. There are two types of Medicare plans. You need to know the difference between Medicare Supplement and Medicare Advantage. They are not the same in fact, they work very differently. Once you understand how each option works then you can move on to figuring out what plan suits you.
It is important to have someone on your side when choosing a Medicare plan. You need to answer a few questions to make sure you are choosing a plan that meets your individual needs. Do your doctors participate in the plan? What insurance is accepted by your preferred hospitals? Do you travel out of the area frequently? Do you want an HMO, PPO or Medigap? Do you prefer to pay for medical expenses as they occur or in predictable payments? Will you incur penalties? How do the private plans compare to employer or state plans? Once youve decided which route works best for you, then you can move on to actually choosing the plan.
Choosing a Medicare plan can seem confusing, but an experienced Medicare broker can make it as easy as having a conversation over a cup of coffee. They know what questions to ask, the plan details and how healthcare in your area works, which makes sorting through plan options easier.
Take the guess work out of Medicare by working with a local, face to face Medicare broker that represents both types of Medicare plans and multiple insurance carriers. They will get you the information you need to make the right decision. They know the questions to ask, the deadlines you need to meet and what coverage is required. They can help you adapt your coverage every year to meet your changing healthcare needs and provide support for the life of your policy.
Editors Note: This article was submitted by Jolynn Allen, Agency Principal, AIS Medicare & More. She may be reached at 719-404-3202 or by email at info@aismedicareandmore.com
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AIS Medicare & More
Medicare Advantage Plans 3030 North Hancock Avenue, Colorado Springs, Colorado, 80907AIS Medicare & More has been serving Southern Colorado seniors since 2008. We have started to spread all throughout Colorado, to broaden our reach and help more Colorado seniors. Our complimentary Medicare appointments are available in office, at your home, by phone or by computer. We believe in educating you about your Medicare options and both Medicare systems, so you can make an educated and informed decision that meets both your health insurance needs and fits your budget. Our agents are with you for life. We provide annual policy reviews, lifetime claims service, account management and prefer if you call us not the carriers. We want to know what is going on in order to better assist you with any of your needs in the future. We help you with State and Federal programs, Medicare Savings Reimbursement, Extra Help, Pharmaceutical Assistance Programs, Veterans Programs, Long Term Care Medicaid and more. By combining all of the programs available to you with your Medicare plan benefits, we can improve your overall coverage and reduce your out of pocket expenses. We are on your team! We want to ensure that you are taking advantage of all of the benefits available for you.