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