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October is the start of the busy season for Medicare agents as we gear up for Annual Enrollment Period (AEP) that begins on October 15. Seniors who are already enrolled in Medicare are receiving the Annual Notice of Change that explains any and all changes coming to their Medicare plan(s) for the 2021 calendar year. The time leading up to AEP is important because it’s an opportunity to review your current coverage to make sure that it’s right for you.
During AEP October 15-December 7, 2020, seniors may drop or switch their Medicare health and drug coverage. Any changes made will take effect on January 1, 2021. Read What You Need to Know About Medicare Annual Enrollment Period 2021 for a list of the changes that Medicare enrollees may make during AEP.
Medicare insurance agents at Premier Benefit Consultants are available now to provide a free review of your current Medicare insurance plan. Our goal is to help seniors review the upcoming changes to their plan(s), along with their current health needs and budget to ensure that they are on the best possible plan for their needs. Contact us today!
Top 5 ways a Medicare agency can help seniors before and during AEP
1. Free review of your current plan – and the changes coming to it in 2021 – to ensure you’re on the right plan for your needs and budget.
Medicare agents provide our services free of charge. Our entire goal is to help each senior make sure they are on the best plan possible for their needs. If you’re feeling overwhelmed with changes coming to your plan or your health needs or budget have changed, this review is an invaluable tool to get you on the right insurance plan for the 2021 year.
2. Review supplemental insurance options (Medigap).
When it comes to Medicare insurance, there are many different options. Some seniors opt for Original Medicare and then supplement it with Medigap in order to cover many of the co-pays and other out-of-pocket expenses that Medicare doesn’t. Medicare agents will review all relevant supplemental insurance options to fill in any gaps in your coverage.
3. Learn how your retiree insurance works with your Medicare plan.
If you have retiree insurance (a group health plan from a former employer), you may have questions about how it works alongside your Medicare plan. For example, which plan pays out first? Medicare agents are ready and able to answer your questions.
4. Help with prescription drug coverage.
Medicare agents can go over your prescription drug plan options and how Medicare Part D works with other insurance plans to make sure that you have the right prescription drug coverage for your needs.
5. Practical information on medical forms and covered services
A great Medicare agent will help you with practical needs such as where to find and how to fill out medical forms and provide information about what specific services are covered under what plans.
Our independent insurance agents are dedicated to assisting people on Medicare and those who are ready to transition from employer coverage to personal retirement coverage. We help kupuna understand their benefits options and apply for additional coverage, as needed. Because we represent all the major Medicare Advantage and supplement plans in Hawaii, we are able to offer unbiased advice; all at no cost to our clients.
We have agents that reside on every major neighbor island and agents that speak many different languages, including Japanese, Korean, Mandarin, Cantonese, Ilocano, Tagalog, Spanish, Portuguese, Vietnamese, and American Sign Language to ensure easy communication.
At PBC, our clients are our number one priority and we look forward to getting to know you and your needs. With the Annual Enrollment Period just around the corner, there is no time to waste. Call us today at (808) 738-4500 to see how we may be of assistance.