Medicare Agent Bethpage NY
Our Experienced & Well Trained Agents Are Ready to Help Answer All Your’e Medicare Questions.
Medicare is our nation’s senior health insurance coverage. Run by CMS the Centers for Medicare & Medicaid Services. President Lyndon Johnson signed a bill back in 1965 to get this program started. With that original Medicare Part A (hospital coverage) & Part B (medical insurance) were born. This program was originally for people turning 65 or older, but it evolved to also include covering the disabled and people with certain illnesses such as ESRD and Lou Gerhigs disease.
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Medicare Bethpage, NY
People eligible for Medicare in Bethpage, NY will have upwards of twenty-plus Medicare Advantage plans to choose from, along with ten standardized Medicare supplemental plans and 19 stand alone drug plans to choose from. Working with a local agent can be very helpful in learning about all the plan options that are available to you.
Understanding Medicare in Bethpage, NY
Helping Medicare-eligible consumers is what we specialize in. Our team can help advise you on all things Medicare. Want to know when to enroll, how to enroll, what will Medicare cost? These are just a few of the things our agents will explain to you when getting started. We firmly believe in helping consumers understand all of Medicare’s A,B,C’s & Ds before trying to help you with coverage.
Medicare Advantage Agent in Bethpage, NY
Medicare Advantage plans are probably one of the most misunderstood insurance coverages, and it is probably due to the fact that there are just so many different options depending on where you live, it can be quite overwhelming. Your local Medicare agent can help you understand all of the different plans offered in Bethpage. They can help you decide if you would like a PPO plan or an HMO plan; both are usually offered with multiple companies to choose from. When you look at most Medicare Advantage plans on paper, it would be difficult to understand why you may choose one company over another. Many times making a decision on a Medicare Advantage plan comes down to which plan has a larger provider network and offers more choices for the hospitals you may want to use should you need one.
Medicare Supplement Agent in Bethpage, NY (AKA Medigap Plans)
The plans are private insurance plans that were designed to help pick up where original Medicare was lacking. In Bethpage you have 10 Standardized plans offered, all of them being named after letters, such as Plan A,B,C,D,F,G,K,L,M,N. Each letter plan will cover Medicare deductibles and coinsurance in a different way. In New York we primarily see two plans that are popular plan N & G. Living in New York we have guaranteed issue rights which means we can never be declined coverage or rated up for any pre-existing conditions. Rates for these plans go strictly by area, meaning it is a community rating system; age and health have nothing to do with your rate. Your local Bethpage agent can help explain all the details and shop for the lowest rate.
Medicare Part D Agent in Bethpage, NY
Medicare Part D is an opt-in program and how you get drug coverage when on Medicare. It can have two ways, either stand alone or most of the time it will be provided to you if you enroll in a Medicare Advantage plan. Medicare Part D can be very complicated and if you take daily prescriptions this may be a very important aspect of Medicare coverage for you. Your local Medicare agent in Bethpage can help you do a comparison of all the part D options versus your specific drugs to help you find the most cost-effective plan for you. Important thing to know about Part D drug plans is they all have different formularies and many times a husband and wife may be better off on different plans.
Benefits of Using a Medicare Agent in Bethpage, NY
Using a local agent in Bethpage allows you to work with a professional that understands all of the plan options available both from the major nationwide carriers as well as the local and regional ones. Local agents tend to provide better customer service and are generally easier to reach. NO 1-800 numbers and automated switchboards to try and reach a person. Local agents generally work for themselves and do not have huge marketing budgets or quotas, and this usually leads to a better client-agent relationship. The agent knows if they do a good job, they have an excellent chance at gaining referral business. Lets face it, none of us like to go through automated phone systems and we would all prefer someone local to contact when we need help. That’s where we come in, as your local Bethpage agents; we are here to make your Medicare experience a positive and stress-free one.