Palmetto Insurance asked:


One of the most common questions we are asked by people turning 65 is: “Can’t I buy my medicare supplement policy direct from an insurance company and save money?”  While it seems a logical choice, in almost all cases you will not be doing yourself any favors.

As an independent agency, we are constantly updating our preferred companies based on the price they charge, the ease of doing business, and the financial stability of the company.  As a result you always get your choice of the best companies for your specific needs.

When you talk to the sales department of an insurance company about your medicare supplement policy, they have only one option - their policy.  This may or may not be the best fit for you.  In addition, they don’t give you a discount because you called them directly.  You still pay the same premium you would pay if you used a quality agent to shop the market.

To help with the process of choosing the right medicare supplement policy we have provided a few tips for buying medicare supplements below:

Use a quality independent agent who specializes in the medicare supplement market.  Don’t trust this important decision to a generelist. Ratings matter.  No matter what a company agent tells you, the financial stability of the insurance company determines how likely they are to increase rates in the future. Don’t skimp on coverage.  In most cases, buying a comprehensive plan (such as plan F) will only be a few dollars more per month and will save you hundreds, maybe thousands, of dollars per year in coinsurance and deductibles.

We hope this information helps.  If you have any questions or would like a no obligation proposal for an agency that focuses all their efforts on the needs of medicare supplement clients, please let us know.  Have a wonderful day.

www.MedicareSavings.net

800-804-4212



ALDRICH

zaza 1ST GRANDCHILD 2/2010!!! asked:


My mother is a retired (NYS) teacher, and she also has medicare. What one does not pick up the other does.

This is the scenario for millions of people. Why are those who already have insurance upon retirement allowed into the medicare system?

BARBOUR

Chad Kiser asked:


For those people who depend upon Medicare for their medical coverage, finding a Medicare Case Manager (MCM) is one of the most important parts of the entire process. A well trained MCM will be able to guide patients through the process, looking over their situation on an individual basis and making a determination from there. These people are generally very good at what they do and they can turn a usually difficult process into one that isn’t so hard to handle for patients. So where does one go to find a good Medicare Case Manager? There are a few different options for that.

The first place to check for a MCM is with the hospital. Registered nurses are often also trained to be case managers for Medicare. Many hospitals keep nurses who are cross-trained as case managers for Medicare on staff to assist patients who need it. If you are at the hospital, simply ask your physician if a MCM is available on site to meet with you. Usually, this is a good choice for finding a well-trained and knowledgeable case manager to handle your situation. If the hospital happens to be overly pressured that day, they might recommend someone else, though.

Your medical insurance company can also point you in the direction of a MCM to help you with your Medicare questions. They take great pride in the MCM system and insurance companies will do everything that they can to help patients find someone to handle their case. More often than not, they are able to quickly and efficiently handle your Medicare needs. This is a great choice for patients not able to get help from the hospital.

There are many people working today as case managers so finding a good one should not be a problem. When new nurses come out fresh from nursing school, many of them are looking to boost up their salary range by adding additional certifications. One of the most popular certifications is the MCM. This is why going to a trusted hospital is probably the best way for a patient to find someone that will do a great job on their case. It is very important to make the right choice when it comes to choosing a case manager since they will be handling your case.



MONSON

Jim asked:


From what I get it’s basically other insurance companies working with SS or medicare to provide “more” options at a higher cost.

Is this right? Sorry, the social security website kind of confused me.

CHANEY

Sandi Dover asked:


My spouse is covered by the current private policy, but I am primary. We both were only able to access coverage due to HIPPA and ERISA while I applied for my disability. I am concerned that he not be dropped if I switch to a medicare supplemental policy. All personal experience or advice appreciated.

PETERS

w5pollar asked:


I have seen providers bill Medicare A9270 so they guarantee that Medicare will deny, so they will get more money by having member’s secondary commercial insurance pay as primary. Is this legal?

PECK

Melissa asked:


on my pay stub, it says “medicare employee” as a tax. does that mean i have health insurance or is that something they just take out of everyones paycheck??

MACKEY

Jean F asked:


I’m shopping for insurance to go with my medicare, which will start next April.

HAM