It’s open enrollment season for Medicare; you have until Dec. 7 to pick your plan (mid-Jan. 2027 for all other insurance types).
Reviewing your Medicare coverage annually is a must. Life circumstances change; health situations change. Your health insurance coverage needs to change with them.
But how do you decide? Do you go with the Rolls-Royce or the FIAT? Do you take the first plan offered by your employer? Are you even allowed to decline it?
Stop. Breathe. Let’s break it down.
Shopping the Right Plan…
You’ve probably bought a car before, right? If you walk onto the lot and say, “Show me what you’ve got,” your very widely smiling associate will lead you straight to the Platinum Plus Package parked on the podium, featuring three moon roofs, 70-inch touchscreen and the ability to levitate out of that impossibly tight parallel parking spot.
Most people look to their employers for health insurance, not knowing it’s 100% okay to seek a plan outside of the one offered by the company. They even have the right to become self-insured, if it’s beneficial to them. The best part? This can often save them money (and a lot of it)! Just because something is available and presented as the easiest option doesn’t necessarily mean that it’s the best.
…With the Right Person
People often don’t shop insurance plans, because they don’t know where to go. They don’t trust what they find online, and they often shouldn’t trust random insurance agents who promise to help. Seeking guidance from Joe Schmoe at Gone Tomorrow Medicare Advice Agency is like purchasing that Platinum Plus beauty and then discovering that the dealership has pulled up stakes two months later. Who can give you answers on how to disable the interior disco lights?
This is where the expertise of a licensed healthcare agent comes into play. You need someone who works on your behalf, emphasizing the importance of finding the right carrier for your unique situation (and then the right plan within that carrier’s offerings). You need someone who spends time with you, ensuring that you understand what you’re getting. And you need someone who is available year-round, providing quality post-enrollment support.
A licensed agent can often significantly lower both your premium and your deductible…all at no cost to you. The best part: Your agent will handle the haggling on your behalf.
Those disco lights, though? You’re on your own there.
Connect with a licensed local healthcare agent who cares, and leave with the confidence that you’ve found your perfect insurance fit. Schedule an appointment at coveredbystephanie.com or 937-619-9939.
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