Whether you’re soon turning 65, or are currently on a Medicare plan, understanding the government insurance options can be overwhelming. By doing just a little research on your own, the world of Medicare insurance can leave you feeling more confused than before. The wording is confusing, the multiple coverage options can be complex to understand, and enrolling in a plan often seems daunting. 

Many Americans choose to work side-by-side with a Medicare insurance broker to help simplify the process. With industry expertise, a Medicare insurance broker helps individuals find the right type of coverage to fit their needs. 

Here are five reasons to consider using a Medicare insurance broker: 

Medicare Knowledge 

As mentioned, the world of insurance can definitely be a lot to take in. The industry is filled with a lot of unique lingo that the average person isn’t going to understand off the bat. A Medicare insurance broker has passed extensive testing requirements and often holds years of experience in the field. By working with a broker, you are able to get one-on-one service that breaks down the confusing elements of Medicare into an easily digestible understanding. 

Questions are bound to arise when diving into coverage options, and what best makes sense for your health needs. From Medicare Part A and B all the way to Medigap questions — a broker can best explain all the option plans and give you the necessary information to make a confident decision in your enrollment. 

Coverage Optionality 

With their industry knowledge, a broker can help you navigate through coverage pricing and options from multiple service providers to find the right fit for you. When making your decision it is important to weigh Original Medicare Plans versus Medicare Advantage Plans in order to receive the proper coverage for your current and future needs. Your broker will help locate Medicare coverage options that best suit your needs, so you are not confined to just one provider or plan offerings. 

Saves Time (& Stress) 

Having health insurance isn’t really something that can be delayed. Most individuals want to have their coverage taken care of quickly and efficiently. When trying to pick your coverage and enroll in Medicare, it can take some time and frustration to do it all by yourself. Working with an experienced broker helps speed up and smooth over the process — from start to finish. Your broker can help handle all the details that might leave you otherwise stressed and delayed. 

It’s No Cost to You 

Yes, you read that right! Working with a Medicare insurance broker does not cost you any money. There are no fees to pay when working with a licensed and trained agent, as healthcare insurance plans already have broker fees built-in. Therefore, your cost is the same if you obtain coverage with the help of an agent or go at it alone! 

They Look Out for You 

Your Medicare insurance needs might change from year to year. Therefore, working with a broker that understands your current healthcare status and needs allows them to best evaluate what Medicare plans serve you. By developing a relationship with a broker, you and your broker can meet annually to discuss your concerns and future, in order to best plan for what type of Medicare options make sense — and possibly saving you money along the way.

Join the Discussion