Has your Medicare plan gotten too expensive, or no longer meets your needs?
Let's find out how to get a more cost-efficient option for you.
One of my Medicare rules of thumb is this: “The longer you’ve been in your Medicare plan, the more money you can save by switching”
Now this isn't true in every case. But, it's true quite often.
This could apply to a Medigap, Medicare Advantage, or standalone Medicare Drug Plan.
Does one of these situation sounds like the one you're in?
Plans change, prices change, and your health needs change over time. If you haven’t had your Medicare coverage reviewed in while, you could be overpaying. By a LOT.
So where do you start? Well, first let’s figure out what you want to do…
You’ll likely fall into one of these categories. You want to either:
- 1Find a cheaper Medigap plan
- 2Leave your Medicare Advantage plan and get a Medigap plan
- 3Leave your Medigap plan and get a Medicare Advantage plan
- 4Switch to a different Medicare Advantage plan
- 5Find different drug coverage
Each of these involves a specific time period when you can make this change. Some of them require answering health questions. I’ll explain this process in a bit more detail further down below…
I can help you shop for a different Medicare plan that will either save you money, improve your coverage, or both!
I have been helping folks just like you with their Medicare plans since 2012.
I’ve had thousands of conversations with folks about their Medicare coverage, and everyone’s situation has been a bit different: health, finances, location, preference for type of plan, etc.
I'm licensed to sell both Medigap and Medicare Advantage plans with over 20 different insurance companies. This means I represent your best interest as my client to help you find the most cost-efficient plan to meet your needs, rather than representing the needs of any one insurance company.
Watch the video below to see what a couple of my clients, Jim & Anne, have to say about working with me...
Here is a bit more detailed list of what's involved in switching certain types of Medicare plans:
You want to find a cheaper Medigap plan:
You want to leave your Medicare Advantage plan for a Medigap plan:
You want to leave your Medigap plan for a Medicare Advantage plan:
You want to switch to a different Medicare Advantage plan:
You want to find a different standalone Prescription Drug plan
*** Some states allow you to join a new Medigap plan at certain times of the year or in certain situations with no health questions. Other states have no health questions for Medigap plans ever.
Also, during many Special Enrollment Periods (SEP) you can switch your Medigap, Medicare Advantage, or Drug plan outside of the certain times of the year mentioned above. Also, you may be able to get a Medigap plan with no health questions too. A common SEP that would allow you to switch plans with less restrictions is if you move to a different state, or service area that your plan covers.
Here are a couple things some of my clients have said about working with me...
Moving to Medicare and choosing a supplemental insurance can be scary and confusing. Chris takes that away with advice that is understandable and easy. He does all the leg work and follows-up to make sure everything is going well. When it comes time to renew, he reviews your current status and makes changes as necessary.
Patrick L, Burtchville, MI
Chris is very thorough explaining the different Medicare plans. I was familiar with a lot of the information, but he clearly explained so much more. If you don't understand 100%, he will go over it with you until you do. Also, Chris was prompt and on-time with appointments I scheduled with him.
Jan M, Livonia, MI
Choosing your new Medicare plan should NOT be a one-and-done decision
Your first decision when you first start Medicare is extremely important. However, you’re going to be on Medicare the rest of your life. Choosing the best plan should not be a one-and-done decision, but rather one that involves regular check-ups and reviews.
Things will change over time whether it’s your healthcare needs, your budget, or your plan. Sometimes it can be all three of these at once.
If you're thinking about getting a new plan, it's because something changed.
So, if you signed up for your first plan with:
This is why it’s extremely important to get the help of an agent who is a Medicare expert who is able to give you unbiased help and ongoing service. If you signed up for a plan directly with an insurance company or through some random telemarketer who called you, you may have either enrolled in a plan that wasn't right for you to start with or signed up with someone who isn't able to help now that something's changed.
Here are the things I offer to all of my Medicare clients:
Help with signing up for Medicare
This includes getting you access to the forms you need with directions on how and when to fill them out
"Intro to Medicare" consultation
We'll review the basics of Medicare and review any questions you have about the 4 different parts
Enrollment into your supplemental plan
After we decide what plan is best for you, I'll fill out the application for you and submit it to the insurance company
Lifetime access to my help
As my client, you can contact me anytime for any follow-up questions, concerns, or issues regarding anything related to Medicare or your plan
Annual reviews of your policy
Things can change fast. I'm available to do an annual review of any supplemental plan I help you enroll in
I'm paid a small commission by the insurance company of your plan, so I never charge any fees or markups for my service
Watch the video below to see what a couple of my clients, Jim & Nancy, have to say about working with me...
Are you ready to switch your Medicare plan? Click the button to book your appointment
Frequently Asked Questions
Why should I use your services instead of signing up directly with the company?
So I get all the things you mentioned above? So what's the catch?
There's no catch! Very, very few agents or agencies charge to help folks with Medicare. We all get a commission from the insurance company whose plan we help you sign up in, so we don't need to charge you.
I already signed up for a plan, so what should I do if I want to work with you?
Whether your plan has started yet or not, you're not under an obligation to keep that plan and often can leave right away even if you've already started paying premiums. We can discuss how to do this when we talk.
How do I know you're a good fit to be my agent?
Like in lots of other areas of life, sometimes people aren't the right fit. After talking with me, if you decide that you'd rather sign up another way then that's fine. But, we probably won't know if we can have a good working relationship unless you reach out to me to take that first step.
I feel more comfortable doing this face-to-face. How would this work remotely?
I go thru the entire process over the phone with you. I'll explain everything making sure you understand it all. I can email you illustrations, videos, and product information to help it make sense. I can even share my screen with you for even more transparency, if you like.
I'll fill out the application for the plan we choose electronically on my end, and then your "e-signature" will be required as well. It's a fairly simple process.
How do I know you won't just put me in a plan that pays you the highest commission?
My goal is to keep your rate the lowest for the longest possible period of time. Some companies do pay more commission than others. But my focus is on doing what's best for you. In the end the commissions will even out, you'll be happy, and refer me to your friends.
How easy is it to switch plans?
It depends on what plan we're switching.
Switching drug plans is a piece of cake since you don't have to qualify and can't be turned down.
Switching your health plan is more involved. The most important decision is figuring out if you want a Medigap or Medicare Advantage plan.
If you decide on a specific Medigap plan, it's about finding the lowest cost plan with a reputable company that will accept you with any health conditions you currently manage. If you decide on an Advantage plan, it's about finding the most cost-efficient, highly-rated plan that covers your list of doctors and drugs.