In most areas, there are at least several different agents who sell Medicare insurance and will help set you up with a policy. So, how do you know which one to choose? Here are some tips to help you select a Medicare insurance agent.
Ask them to explain your coverage options.
When you first meet a new Medicare insurance agent, ask them to explain what your coverage options are. Then, pay close attention to their explanation. Do they explain things clearly, using examples and details that you understand? Or, alternatively, do you find their explanation confusing or unclear? Chances are, you'll need to ask your insurance agent to explain things to you periodically. As such, it is best to hire an agent whose explanations you find clear and easy to understand.
Consider whether they sell for multiple companies.
Some Medicare insurance agents sell plans from only one company. Others sell plans from multiple companies. Whenever possible, it is best to hire an agent who sells for multiple companies. This means you will have more options when buying from them. It also suggests that they will be less biased when recommending plans for you. They won't recommend a certain plan just because it's the only one they have; you know they have options and have selected the best option for you.
Ask how they communicate.
Different agents communicate with their clients in different ways. Some agents prefer to communicate via email. Others may primarily communicate via text or phone call. Make sure you feel comfortable communicating with the agent in the way they prefer. Remember that when you're speaking to your Medicare insurance agent, you may be sick or in poor health. So, you don't want to hire an agent who it takes lots of effort to communicate with.
Can they help with Medicare drug plans?
Some Medicare insurance agents only help with Medicare health insurance coverage. Others also help with drug plans. If you need a Medicare drug plan and qualify for one, then you will want to hire an insurance agent who sells them so you don't have to hire two different agents.
Hopefully, these tips for hiring a Medicare insurance agent serve you well. Remember that in most areas, there are lots of agents to choose from. As such, it is worth doing your due diligence to find an agent who can serve you in the ways you need to be served.
