The Medicare system is confusing. Non-stop noise coming at you from family, friends, colleagues, insurance people, human resources, the government, etc. Phone calls pestering you. Your mailbox filling with solicitations. We totally get it. Why in the world do you have to deal with something so complex at age 65+?
Our clients want to learn enough so that they know they are not making a mistake in regards to their Medicare coverage. Avoiding mistakes are key. That’s why connecting with us at age 64 and one half combined with education is the key to an easy transition to the Medicare system.
That’s how we spend our days. Transitioning people to the system. How do we do that? Baby steps.
We’ll help you arrive at that peace of mind place where you can finally stop debating and thinking about the Medicare madness. Put it on a shelf and get on with life.
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If you are over age 64, you are likely being hounded with phone calls and all sorts of solicitations that are intended to sell you Medicare products.
Remember, Medicare is truly a ‘process’ that just happens to include a few products.
We help people decide if they need to actually enroll into the Medicare system (it’s a myth that you have to enroll at age 65). Some people will be enrolled automatically, others not. So, do you need to enroll? That’s step one.
After that comes the conversations about how much does Medicare cost if you need it? After we find that you need this coverage, we’ll talk you through the products that you’ll need. We’ll talk about IRMAA surcharges (see our video HERE regarding the cost of Medicare which incorporates the discussion around IRMAA)
You’ll have some homework; we’ll coach you through each step of what to do and when you need to do it. All related to your transition to the Medicare health insurance system.
When we get to the product stage? We’ll screenshare our computer screens, you can see rates for all carriers, we’ll talk through what we’d recommend and why. We’ll handle all enrollments for you. We always suggest gathering up all of your questions for us “I heard this from a neighbor… I saw this on TV…. I thought….” Let’s address all.
Your transition to Medicare isn’t just a quick phone call or responding to a postcard in the mailbox. There’s much more to it.
FYI. We get asked often “how are you paid?” We are paid just as your home or auto insurance person is; we are compensated by insurance carriers. There are Medicare services out there that will charge you $1,200 to help you decide what to purchase. We do that at no charge. We believe that is part of our job as agents.
We recommend working with an independent agency when purchasing your Medicare products. We can represent just about every carrier in the Medicare space! And, there are carriers that we like better than other ones and we’ll share with you our reasons why.
These can be very long term relationships that YOU have with a carrier. Remember that pre-existing conditions can and do creep into the Medicare discussion so you really should have a longer range view with your coverage.
Calling carriers directly to sign up. You sure can BUT, think about it, when you call Large Carrier A and inquire about a product? You typically aren’t going to learn about other options, other carriers, other product types. Right? You also won’t have the assistance of an agent when you sign up directly.
We stay on top of the latest industry news, product changes and more – that’s our job. Then, we deliver that info to you.
Your client is 66 years old, retiring and decides to take Cobra coverage as he separates from the employer.
Red flags go off in OUR heads. Cobra insurance coverage and people that are eligible for Medicare do not play nicely together. It’s not a situation that you want to see your client in. You just don’t know the mechanical rules like we do.
Your job isn’t Medicare. Ours is. We’re here to help support all that you do for your clients.
It takes a village and we’re here to be part of yours. We work with many advisors across the country to help their clients navigate the Medicare system. We help the client to do the right thing at the right time. Medicare is a process that needs to be done correctly.
Collectively, we can help our mutual clients avoid mistakes. Here’s an article written by Joanne so that you can get a feel for what we bring to the advisor community.
Feel free to email her at email@example.com with questions you might have.