Right now, it seems like every TV commercial is someone telling you how great their coverage is and inviting you to call them to check your zip code. Since the Annual Enrollment Period is here, these advertisements have become a nuisance… what’s even worse is when they call you!
Although it is important to review your plan each year, that does not require you to respond to marketing advertisements and solicitations.
Here are a few tips to help you deal with marketing advertisements and solicitations during this time:
- Using a Medicare advisor is always best. These are licensed insurance agents who have a fiduciary responsibility to provide accurate unbiased information.
- If you get help making your healthcare decisions from a family member or power of attorney, be sure that person is there with you for each conversation you have about health coverage.
- When comparing plan options, be sure you are prepared to compare your current coverage. Know your current plan’s premium, deductibles, copays, as well as your doctor’s name and location.
- Protect yourself from telephone scams. Most Medicare sales agents are not allowed to call you unless you have requested a call. If you receive a call from someone who is pressuring you to divulge personal information, hang up immediately.
- Always remember that Medicare and Social Security will not call you unless you asked for help with an issue.
- Be sure to do a comprehensive plan analysis before you change your coverage. Sure, that plan on the TV sounds great, but what will you be losing in order to get it? Some people have coverage that they cannot get back once they disenroll, that’s why it is important to thoroughly weigh out your options before you jump ship.
While we are all being inundated with marketing and advertisements, we don’t expect it to go away any time soon. Your best bet? Call a trusted AMAC Medicare advisor to help you through the process during the Annual Enrollment Period which ends December 7th.
For help with Medicare plans – or any questions you may have about Medicare – contact AMAC’s Medicare Advisory Service at 1-855-611-4856 or request a quote below!
I feel and have been told this new “Medicare plan” is just the first step toward socialize insurance for the USA! NO THANKS, I will give up many other things in my life to stay free – – the government rules my life to much as it is.
I am 59 and on Disability. I have Medicare Parts A, B and D am I eligible for a Medicare Advantage Plan?
Yes, as long as you have Medicare Parts A & B and live in the service area, you may enroll into any Medicare Advantage plan being offered in your area.
Feel free to give us a call so we can let you know which plans are being offered in your area.
You can reach us at 1-855-611-4856.
I am a retired federal employee. Will your representatives be able to help me figure out which plan is better for me – stick with my former employer or try one of the newer plans? The representatives I have talked to so far have not been very helpful when it comes to retired federal employees.
I have original Medicare A & B and right now my supplement is under Aetna N61. I switched from BCBS for 2022 but can’t say that I am pleased with Aetna. I also have dental insurance with United Concordia that I plan to keep. Every year I go thru the same process – do I stay with this, or do I change to one of the “almost too good to be true” advertisements on TV.
Hello Kelly,
At AMAC, our goal is to provide you with the most accurate information to make an informed decision. Comparing federal coverage can feel like comparing apples to oranges since it is different than what is being offered on the open market. Therefore, be sure to have your current plan information readily available when shopping around.
You will want to know generally what your current copays, coinsurances and deductibles are and what you pay now for prescriptions. Agents cannot make your decision for you, but they can give you invaluable insight as to how a Medicare plan can work for you.
For help with Medicare plans contact AMAC’s Medicare Advisory Service at 1-855-611-4856. We would be happy to help you look at your options!
As a former agent, these ads are timewasters. Talk with an agent and not just the one your
best friend uses. Understand fully what Medicare Supplemental is. The word Supplemental is
never used in the ads. I have had Supplemental for 10 years.
There’s a lot of useless commentary out there. As a former agent, we educated our clients about
Supplemental. Ask your agent about Supplemental. Its often referred to as Medigap but agents
use the term Supplemental which allows you to avoid the 20% payment doctor payment which you
must pay with the over-ballyhooed Advantage plan that everyone sells. Suppose you have a
serious $100K doctor bill heart surgery, under Advantage you must pay $20K. Know this.
Really knowing Medicare is a 3 hour credit college course. Its NOT a 15 minute decision.
Do not accept what your best friend is doing.
Hello GTPatriot,
Thank you for your input. We agree that it is important to speak with a licensed Medicare professional about your individual needs. I always like to say insurance is like a pair of glasses, what works for your friend may not always work for you!
This is what sets AMAC apart from everyone else: We focus on the individual needs of each person we speak to because we know that no two calls are the same. Our personalized approach and informative conversations are what our clients value the most. At AMAC we do not believe in pushy sales tactics- we believe in helping each client find suitable coverage at an affordable price.
If you or anyone you know needs assistance with Medicare contact
AMAC’s Medicare Advisory Service at 1-855-611-4856 today.
I will be contacting you. I turn 65 next July.
That’s great Sandy! We look forward to speaking with you.
People accepting the advantage plan should understand that the agent will receive a commission every year the plan is in effect!!
Hello Gene,
This is a great point. Agents do receive a commission for assisting with enrollments. Some people ask us “What’s the difference if I use AMAC or go through the insurance company directly?”
The answer is simple; Whether you call the carrier directly, use a local agent, or use an AMAC Medicare Advisor, the plan benefits and premium will be identical (for standard Medicare plans). What sets AMAC apart is that you have your own dedicated Medicare advisor to assist you if you need help with your policy. Your commission helps support AMAC and our Medicare advisors, so you are giving back to an organization that shares the same values as you!
If you or a friend would like a complimentary quote give us a call at 1-855-611-4856.