The Thing Most People Don't Realize About Their Medicare Advantage Options When They Turn 65

Turning 65 can come with a lot of paperwork, but most don't expect the confusion that comes with it. Like millions of Americans entering the next chapter of their lives, soon-to-be Medicare recipients find themselves inundated with mailers, phone calls, and conflicting advice. The deeper you look, you realize that Original Medicare isn't your only option.

What Many People Don't Realize at 65

This is where Medicare Advantage (Part C) comes into the picture. Unlike Original Medicare, these plans are offered by private companies approved by Medicare. They provide all of your Part A and Part B coverage, but often include significant “extras” that many Medicare beneficiaries assume they have to pay for separately.

Why Some People Choose to Work With a Broker

Navigating these options alone is a full-time job. That’s why an increasing number of Medicare beneficiaries are turning to licensed insurance agents or brokers. Here is why it makes a difference:

• Objective comparison across multiple insurance carriers.
• Verification that your preferred doctors and prescriptions are covered.
• Clarification of “benefits and plan features, like premiums and out-of-pocket maximums."

Is There a Cost to Talk to Someone?

One of the biggest misconceptions is that working with an agent costs money. In reality, licensed insurance agents typically provide their services at no cost to the consumer. They are compensated by the insurance companies, meaning you get professional guidance without a consultation fee.

We represent Medicare Advantage plans with the following carriers:AETNA BETTER HEALTH INC. (NJ)®, Aetna®, Florida Blue Medicare®, HealthSpring℠, UnitedHealthcare®, Care N Care®, Clover Health®, Allina Health |Aetna Medicare®, Zing Health Inc.®, Wellcare®, Molina Healthcare®, Anthem Blue Cross and Blue Shield