I just got the township monthly magazine (free) that has news of the current events in town.
They are having a free Medicare seminar offered at the township building by a Medicare planner.
Was wondering, how do you know if the planner would act in your best interest and not their own ?
Are they doing this out of the goodness of their heart ?
Not sure what to think about this.
I used an independent Medicare agent (broker) when I started on Medicare. The agent gets paid by the insurance company so your premiums are the same. I am on Original Medicare and although there is a good Medicare website to search for annual Part D plans, I continue to use an agent for convenience. The free Medicare seminar might be a newer agent attempting to build up clientele so consider word of mouth to find an experienced agent. Your State Health Insurance Assistance Program is an additional source of information about Medicare.
Medicare: How to Find and Work With an Insurance Broker
That link was very helpful, much appreciated, thank you.
Just beware your medicare “planner” is likely a peddler/pusher of so-called Medicare “Advantage” plans that are neither medicare nor advantageous. Yes they will have some purported “benefits” that are not a part of medicare. However they ARE private coverage, and most often HMOs. There are other versions such as PPO that are not quite as awful.
The problem with these “plans” is invariably they restrict not only what services you can get but where you can get them. No matter what 0Bama said you cannot keep your doctor. There are two gate keepers that you cannot touch: Medicare itself plus the insurance company. If Medicare won’t cover, company won’t. If Medicare will, comany might.
What you want is straight medicare and a supplement such as Plan G. It will likely cost more than a so-called Advantage, but you have to consider that the supplement is an insurance plan for if/when you get really sick and the others will not cover.
Thanks for the info tszefr.
After reading your response I looked into Plan G policies, I saw regular and high deductible, the high deductible one is cheaper of course, I saw where the high deductible is 2,870.00 a year and then after that it’s just like original Plan G , does that mean after 2,870.00 out of pocket before anything kicks in ? I could easily swing that if that’s the case, and would rather go with the lower premium,
It looks like the premium for high deductible is about 80.00 a month and the regular about 187.00 a month. (my age, location etc.)