If You Choose Wrong…Make Another Choice
Recently I had a Medicare Advantage Client call me and state “I chose the wrong Medicare Advantage Plan”. That is not an uncommon thing to hear during the Annual Enrollment Period (AEP) which runs October 15th-December 7th every year. But, the best news is you do not have to panic. A fact most consumers do not know is the last plan you choose before December 7th is the plan you will have January 1st. If there were 15 Medicare Advantage Plans where you live and you chose to enroll in a different plan every 3 days, the plan you chose last is the plan you will have.
What does that mean for you?
Well, to put it simply, you have options. For instance if you chose a HMO which makes you have a Primary Care Physician (PCP) assigned to you and a very small network of Physicians and Hospitals. You also have to get a referral for every Specialist or test you need to have. You still have the option of signing up for a PPO which has a much broader network and you don’t have to get a referral for every little thing. Let’s say you need an MRI and you are on an HMO, first your PCP must order it and send it to the Insurance Company for approval. This could take weeks, literally. With an PPO the same PCP could order a test today and you could have it done today. No weeks to wait.
What are my choices?
You have a lot of choices available to you. You could switch Medicare Advantage Plans and stay with the same company. You could completely change to another company and a different plan. You could change back to Original Medicare Part A and B which you would need a Part D Plan for your medications. You could switch back to Original Medicare with Part D and the always preferred Medicare Supplement if you can pass some health questions. The sky is the limit.
How do I know what to choose?
That is where people like me come in. I am a Medicare Specialist. All I do from January 1st to December 31st is work with Medicare Clients and Medicare Products. You don’t have to figure it out and go get a degree in Medicare. I do that for you. If you aren’t using a free service from a broker like myself who works only in Medicare ( I don’t do home owners, Auto, Workmen’s Comp or any other type of Insurance), you are short changing yourself. Insurance Companies pay our fee, not you. The best part is a policy cost exactly the same no matter if you go direct or get the help of an expert. If you go direct the money just stays in the pocket of the Insurance Company and you don’t get the personalized service of a Medicare Specialist.
So if you chose wrong or want a second opinion.
Call us today at 800-708-5810 and we will give you completely free and unbiased professional advice and save you the headache of trying to decipher all the overwhelming information you have been sent. We write for all the companies in your state so we only what is best for you. It is time to pick up the phone and explore your options. Just because your company met your needs this year, doesn’t mean they will next year. There are 2200 Medicare Advantage Plans in the United States and they all come in different shapes, sizes, and colors. There is no one size fits all.