Expert Medicare Insurance Broker: Your Guide to Medicare Coverage

Trusted Independent Medicare Agent for Personalized Assistance

Trusted Medicare Insurance Broker

Sixty-five is the magic number, and we’re not just talking years! It seems like 65 is also the minimum number of questions the average person has when weighing all their Medicare-related options. You’ve worked hard and waited patiently to tap into those Medicare benefits. Let our team of Medicare Insurance Brokers help ensure you understand your benefits and optimize any supplemental, advantage, or prescription drug plans you may want or need.

RightQuote – Medicare Open Enrollment

If you’re ready to enroll in Medicare, understanding the plan coverage and pricing and how much Medicare will cost you might be difficult. Even after enrolling in Medicare, you may want to confirm that your current plan is still the best fit for you.

That’s where a Medicare broker can be of help to you. RightQuote provides guided Medicare open enrollment assistance. Here’s what you should know before you start enrolling in Medicare.

Learn more about your different Medicare options.

Original Medicare Insurance Broker

Original Medicare

The majority of those 65 and better will receive Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) automatically, however, others may have to sign up for it. In most cases how you access your Medicare benefits is dependent on whether you’re getting Social Security benefits. Original Medicare refers to those benefits provided under Part A and Part B.

What Is a Medicare Enrollment Broker?

A Medicare Enrollment broker is a qualified individual who works for several insurance providers and may assist you in selecting a plan and evaluating your options.

They should also be licensed in the state or region where they operate and must follow strict restrictions, particularly around marketing and enrollment.

How Can a Medicare Broker Help You?

RightQuote’s brokers liaise between those needing Medicare coverage and the firms that provide it. Most brokers can also help clients and insurance providers identify individual, family, and group plans that meet their needs.

They can answer your questions and assist you in understanding the complex Medicare information. Simply put, they feature and promote their plans, assisting private insurance firms in reaching out to individuals requiring Medicare open enrollment assistance.

There are more alternatives and possibilities with Medicare, and it can take years to truly become comfortable with all the available plan options themselves. To ensure your Medicare broker is acting in your best interests, asking the appropriate questions before beginning is crucial.

Why Should You Work With RightQuote’s Brokers?

A professional RightQuote’s broker will listen to your requirements and preferences before providing information about your coverage alternatives. At RightQuote, we’re focused on offering a personalized experience without the trouble and fees associated with traditional insurance agents.

Working with a skilled Medicare broker from RightQuote can help you save time and money while also assisting you in finding the best plan. We understand your needs and provide Medicare options according to your requirements at the lowest possible price.

So, you can be sure you will receive unbiased, practical help and dependable alternatives. Our team of brokers is only looking out for your best interest. So, contact us today to explore how we can support you in your Medicare enrolment process.

Medicare Supplement (Medigap) Insurance

A Medicare Supplement, also known as Medigap insurance, is sold by private insurance companies. These types of policies can help pay some of the health care costs that original Medicare doesn’t cover, like copayments, coinsurance, and deductibles to learn more about this you can consult a medicare insurance broker. If you have original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered healthcare costs. Your Medigap policy will pay its share.

A Medigap policy is different from a Medicare Advantage Plan. Advantage plans are ways to receive your Medicare benefits, while a Medigap policy only supplements your original Medicare benefits.

Medicare Advantage Plans Insurance Broker

Medicare Advantage Plans

Medicare Advantage Plans, sometimes called Part C, are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

  1. Medicare Health Maintenance Organizations (HMOs)
  2. Preferred Provider Organizations (PPO)
  3. Private Fee-for-Service Plans
  4. Medicare Special Needs Plans
Part D Prescription Drug Plans - Medicare Insurance Broker

Part D Prescription Drug Plans

You can sign up for Part D Prescription Drug Plans, which help cover prescription drug costs, along with other components of Medicare, starting three months before your 65th birthday.

It’s important to do this on time with a help of an independent medicare agent because there’s a permanent premium surcharge for enrolling more than three months after your 65th birthday, if you don’t have equivalent drug coverage from another source, such as a retiree plan.

Let us help with your enrollment!
If you are already enrolled in a Part D standalone plan or a Medicare Advantage plan that incorporates drug coverage, its better to consult a Medicare insurance broker if you can switch plans during the open-enrollment period, which runs from October 15th to December 7th every year.

Looking for a custom solution?

We’re always looking to help clients improve their workflow and financials of their business. If you’re looking for something more custom, or tailored towards a particular niche or vertical, we can help. We’ll work with you to create a plan bespoke to your unique needs. Give us a call and we’ll carve out the perfect plan for you.