Have you ever actually read an insurance contract? Page upon page of the most confusing language ever typed on a sheet of paper. You'd need a PhD to decipher exactly what you're buying in terms of coverage. And then when it's time to use it, you find out that what you thought was covered, may not be covered.
Ever bought Health Insurance thinking you're in great shape only to be hit with a second or third year premium that increased so substantially, you're left having to reselect a provider all over again?
Welcome to the Insurance Shell Game, an old industry process of taking something which should be fairly straightforward and twisting it “just so” the average consumer can't really understand exactly what they're buying, or if it was the right provider or product. Without an advocate, you're not likely to win.
Medicare, as an insurance category, is rampant with these types of shenanigans.
On the road to Medicare you're going to be faced with a decision, a fork in the road, if you will. There are two ways you can travel, and the first path is known as Medicare Advantage, or Medicare Part C. If you choose Medicare Advantage, you no longer receive your health coverage from Medicare. In doing so, you're going to receive health care coverage from a private insurance company in its place. You will be limited to the doctors you can visit, the facilities you can use, and ultimately, the level of care you will receive.
Now, if there were no alternative, it wouldn't matter. But there is an alternative, and that is a “standardized” Medicare Supplement. With this choice you maintain control over your health care coverage, as opposed to being restricted to networks and agendas. Don't you want to choose your doctor? Well, you can with a standardized Medicare Supplement. In fact, with a standardized Medicare Supplement, you can see any doctor and visit any hospital that accepts Medicare, anywhere in the United States.
The point is, it's a shell game. You have alternatives and we function as your advocate. There's no additional costs involved by talking with us! We know the shell game well enough to help you be the winner. Call us, we're here when you're ready!