Medicare Insurance

Why should I use an independent Medicare insurance broker? 

 

Hiring a local medicare insurance broker has many benefits. Looking at your Medicare options by yourself can be overwhelming, especially if you are approaching these benefits for the first time. Medicare is different from your family or group insurance because it is individual. Even though it is individual insurance, the choices you make can still affect your family. A licensed Medicare insurance broker like William Myers can guide you through the structure, plans, benefits, and costs of Medicare. We will work together to explore all of your options until we find the perfect fit for you. As your insurance broker, I can offer you Medicare expertise at no additional cost.

 

How are your services free?

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You don’t have to worry about paying any sort of fee for my services. The rates offered by insurance plans already account for commissions paid to insurance brokers. This means that your cost will not differ whether you work with me or enroll on your own. The company you choose will pay my commission, which means I can provide you with free service for life. This also allows me to focus on your needs and getting you the perfect plan instead of focusing on sales for one carrier like an employee of an insurance agency. As your Medicare insurance broker, I will compare the prices of every plan available to you and find the best price for the best coverage. You can relax knowing you got the best Medicare insurance plan for you. Call today!

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How do you get paid?

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When you sign up for a plan with me, the company pays my commission. The plan costs the same for you whether you go through me or directly to the company or some call center in Afghanistan. With Will Myers Medical Insurance Broker, you have help navigating the details, pricing, and avoiding having to call a helpdesk.

 

Are you licensed? 

 

Yes. I go through hours of training and education each year in order to continue selling Medicare insurance plans. This training allows me access to vital information that may help you when making your decision about which insurance plan to choose. 

 

What do you consider when looking at plans? 

 

There are many things to consider when choosing your Medicare insurance plan. What I look for in plans will vary based on your needs and medical and financial situations. What I commonly take into consideration is cost, benefits, doctor and hospital choice, prescription drug costs, travel benefits, and more. Schedule a free consultation with me today to discuss what’s important to you. 

 

The cost of my plan just increased.  What should I do? 

 

Luckily, your relationship with your broker doesn’t end after the sale. I am a lifelong advocate. In addition to checking in with you annually to see if your coverage is still meeting your needs, I will help you switch plans when the cost increases. All you have to do is give me a call.

 

I am under 65, can I still enroll in Medicare?

 

You may be eligible for Medicare if you have received Social Security Disability Insurance (SSDI) checks for at least 24 months. You will automatically be enrolled in Medicare at the beginning of the 25th month. You can also enroll if you have been diagnosed with End-Stage Renal Disease (ESRD). Keep in mind that the open enrollment period for Medicare begins three months prior to the month of your 65th birthday. You can contact William Myers to get through the enrollment process with ease and certainty. 

 

Is there any information I should gather before our first meeting? 

 

To best help you in finding the perfect plan for you I will need to know about any current or past medical conditions. I will also need to know about the medications you currently take as well as the ones you may need later this year. Having a discussion with your physician can help you find out more information about medications you may need in the near future. As your broker, I will need to know about your financial situation. You will share information about your yearly income, your living expenses, what you currently spend on healthcare, and whether or not you’re on a fixed income. Gathering this information before our first meeting will accelerate the process, so you can get back to focusing on what’s most important to you. 

 

How often can my rates increase? 

 

Typically, an individual health plan may not raise premiums more than once every 12 months. Your rates may be increasing due to reaching a higher age bracket. As you age, you could move into a coverage group where the rates are higher.  As your broker, I can help you navigate other plans to find one that may be more cost-effective to you.

 

What are Medicare Advantage plans? 

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Private insurance companies that contract with Medicare offer Medicare Advantage plans. Medicare Advantage plans offer the same benefits as Part A and Part B, but many Medicare Advantage plans offer additional benefits for the same cost. Additional benefits that are commonly offered include vision care, dental services, hearing exams, and prescription drug coverage. A downside to Medicare Advantage plans is that you are often required to visit doctors, pharmacies, etc. within the plan’s network. Going outside of their network could result in fees. The good news is that by working with a Medicare insurance broker like William Myers, will allow you to make the choice that is best for you.  I will be transparent throughout the entire process. 

 

How often can I change my Medicare coverage? 

 

Most Medicare beneficiaries can change their coverage once a year. You may be able to change your coverage during the annual enrollment period from October 15th through December 7th. The enrollment period can pass by quickly which is why your insurance broker will contact you annually to see if your coverage is still meeting your needs. Don’t get stuck with a plan you don’t like for another year, contact William Myers Medicare Insurance Broker today!

 

What are the benefits of hiring a local broker? 

 

A local broker is able to provide more detailed knowledge of the plans available in your area. As a local broker, I am familiar with the network of providers and suppliers in the area and understand how your plan may be affected. 

 

What areas do you serve?

 

I currently serve multiple states with large books of business in Salt Lake City, UT and Pensacola, FL . In addition to serving these cities, I also offer consulting services over the phone and virtually in Alabama, Colorado, Florida, Missouri, Oklahoma, Texas and Utah.  If you aren’t sure whether I serve your city don’t hesitate to call or fill out a contact form. I am licensed in multiple states and add states on occasion.