Medicare Supplement Information
If you have never had to find your own Medicare Supplement Information, it can be very intimidating and confusing. Don’t lose any sleep! Start the process with us!
LOST COVERAGE – Recently lost your employer coverage
Have you recently have been informed by your employer that they will no longer offer coverage? Unfortunately, we are working with many folks in this situation that are turning 65.
When you are removed from your employer’s coverage, you can be traumatized both financially and emotionally.
Being a Michigan-based company, we have more experience with people like you than anyone else. Over the last five years, GM, Ford and Chrysler have removed retired, salaried employees from their coverage. The problem was, these retirees expected to have their coverage for the rest of their lives.
As a result, GO Medicare Insurance Plans was appointed by many retiree clubs and organizations to help them find Medicare Supplement coverage and Medicare Advantage Plans.
These folks were used to having their health insurance decisions made by their employers and receiving the best coverage. We stepped in to help these folks recover.
If this is your situation, please rely on us to make this process as easy as possible. We make finding the right Medicare Supplement information or Medicare Advantage Plan simple!
DRUG PLANS – Not sure which drug plan to enroll in?
You should not choose a drug plan because you’ve heard of the carrier, or because your neighbor likes his or her plan. Choosing a Medicare Part “D” drug plan should be almost exclusively a numbers decision.
Let us help you find the most cost effective drugplan from the dozens that are available. Frankly, none of these carriers are a picnic to deal with, so don’t choose a plan because you think a carrier will be delightful to work with.
We perform a review of your drug plan every year. If you enroll in a drug plan with Go Medicare Insurance Plans, we will determine if your current drug plan is the most cost effective year after year.
Don’t stay with a drug plan that has changed it’s cost structure! Let us help you!
MEDICARE ELIGIBILITY – Are you newly eligible for Medicare?
Congratulations on being newly eligible for Medicare! The people we work with often tell us “Gosh, this makes me feel old.”
When you turn 65, you’re eligible for any kind of Medicare Supplement or Advantage Plan that is available!
If you are not 65, but have Medicare Disability, then most likely you will not be able to enroll in a Medicare Supplement. However, you will be able to choose from many fine Medicare Advantage Plans.
The only exception is that those diagnosed with End Stage Renal Disease, will not be eligible for Medicare Advantage Plans.
Do not let this time frame expire! Most likely you won’t have it again! Reach out to us for the most complete and individualized Medicare-Supplement-information available.
Please consult with us to see how long your Open Enrollment period is available to you! It is important that you have the most current Medicare-Supplement-information in order to make a wise decision during this critical time.
MEDICARE COVERAGE – Not sure which Medicare coverage you are eligible for?
There are dozens and dozens of scenarios that Medicare recipients could be experiencing when turning 65. From lost employer coverage, to relocation, to being a dual eligible (which is having Medicare and Medicaid).
These scenarios could make it possible for you to enroll in the Medicare Supplement of your choice without having to medically qualify.
On the very day this was written, we enrolled an 84-year old man who was scheduled to have a pacemaker put in. He qualified for the most popular and cost effective Medicare Supplement in this area.
Please consult with us to for the most current and dependable Medicare Supplement Information.
MEDICARE ADVANTAGE – Is a Medicare Advantage Plan Right for You?
Traditionally, most Medicare recipients have enrolled in a Medicare Supplement, also called a Medigap. The advantage is lower out of pocket expenses and universal acceptability.
However, for some people these plans may not be affordable, or they may not qualify. This is certainly not an unusual situation.
Millions of Americans have now enrolled in Medicare Advantage Plans because of their affordable premiums and additional benefits like dental and drug coverage.
We have a great deal of experience handling these people as well. We can quickly determine which Medicare Advantage Plans are available in your area and explain the differences.
We will also check to see if your doctors and hospitals participate.Most Medicare recipients choose a Medicare Advantage Plan that offers drug coverage. We can help you to determine how the Medicare Advantage Plan covers your drugs.
The Medicare Advantage Plan with the cheapest premium, may not be the most cost effective. Especially when it comes to your medications coverage.
The Right Way vs. The Wrong Way
The Wrong Way:
Don’t meet face to face! We strongly advise you to never set up meetings with insurance agents in your home, and in fact never meet face-to-face to discuss your Medicare Supplement information, Medicare Advantage Plans or drug plans.
Unless you are working with an established agent who has been referred to you, you really don’t know who this person is!
Newbie’s to this whole process will find it very difficult to learn what is needed to know about Medicare Supplements and Medicare Advantage Plans in a short amount of time. Agent compensation has been slashed dramatically (40 – 50%) since Health Care Reform.
Insurance Agents meeting with clients in person need to get you to enroll during one short meeting or they will likely not survive.
Unless you are dealing with someone new to the business who is getting his feet wet, you are likely to face significant pressure to enroll during your meeting. This is what our clients who have worked this way in the past tell us!
Medicare Supplement Information Overload:
Our website developer obviously didn’t learn to build websites in one afternoon. Understanding your Medicare Insurance options will be difficult to for you to achieve in a single meeting as well. It’s a process.
Our system allows you to absorb the information on your schedule not ours! We recently enrolled a purchasing agent employed by one of the largest corporations in the world.
This gentleman was highly experienced in analyzing products and making decisions. He spent a couple of weeks feeding us questions and digesting the information. There was good reason he liked our approach.
An Adviser’s job is not over when the enrollment is complete.
If you have questions or concerns about Medicare Supplement Information, you deserve prompt attention.
If the person who enrolled you in Medicare Supplement is traveling from town to town taking applications, it is going to be difficult for he or she to serve you properly when needed.
Given our clients are older, some of them contact us several times a month to alleviate their concerns or fears. Our advisers spend 85% of their time serving not selling!
The Right Way:
Take as much time as you can:
Years ago, when I entered the Insurance Industry, I elected to join one on the nations largest Health Insurance carriers. I felt that they could provide me with the proven training that could benefit me throughout my career.
After receiving my “training” with the company, I resigned 30 days later. I knew that I could not interact with people using the method and techniques that they required of their agents.
The basic tenets of this philosophy was to “sell the appointment”, provide as little information as possible, and get in and get out! I felt strongly that this approach was not the way I would want to be treated.
I tried to put myself in the shoes of a senior who might be buying a Medicare Supplement or Medicare Advantage Plan for the first time. These folks are looking for products that were important for the future security of their family. I noted that they understood the importance, why didn’t the insurance industry?
I saw no reason why a patient, non-confrontational, educational approach wouldn’t work. I have spent years developing a system that blends with this philosophy.
Time has proven me right! Our system works, people like it and that’s why we get so many referrals! Give us a try!