May this blog post/newsletter find you in good health with your Medicare Insurance working properly. Today’s question: “Do we have you in the right coverage?“
In working with clients all over the country this week, it’s been a great opportunity to sharpen the saw and drill into the differences between plan types: Medicare Advantage and Medicare Supplement.
From a distance, it’s not always easy to understand the differences between the two types of plans and I often get the question: which type of plan is better?
The simple answer is… it truly depends on how each consumer uses healthcare.
Medicare Supplements charge a monthly premium and allow consumers to go to any doctor who takes Medicare (and is willing to see them) and folks don’t have to deal with prior authorization for Medicare approved services. They also don’t receive extra benefits and the premiums typically go up every year.
Medicare Advantage Plans typically have no premiums, offer additional bells and whistles but require you to jump through additional hoops for certain services.
As your independent Medicare Insurance Broker, I try to spend most of my time understanding your healthcare preferences and how you prefer to receive healthcare services.
After that, it’s all about education and understanding the pros and the cons of each type of plan and letting YOU make your own choice.
That’s the reason for this newsletter, so that we can stay connected to make sure your coverage is working the way it should.
Of course, nothing works perfectly. Sometimes there are billing errors, other times it’s hard to reach customer service. Life is imperfect at best, but the important thing is you have an additional resource: The Big 65!
If you are having issues, always call the carrier first.
However, if you speak with the carrier and you are stilling having problems, please reach out to us by email or just book a time on my calendar.
That why I’m here. Medicare call centers (and all those enticing commercials you see on TV) only want you to switch plans. If it’s necessary, we can do that, but usually there’s an easier fix.
It sure has been fun to finally have an extended vacation with our Air Force son Nicholas.
We worked on his bucket list one night and I didn’t even try to keep up with him. I guess we were all young once, right?
I keep hearing from clients like Claire in South Carolina that spring is on the way so don’t give up hope!
That’s it for this week. Keep squeezing the juice out of life.
We are here if you need us.
Let me know what’s going on your life, please send pictures for the newsletter, and remember…
Referrals are the lifeblood of my business!
Book a time on my calendar here
As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
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Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in twenty-two states around the country, including:
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.