We think you will want to manage your Medicare healthcare in one of two ways: (1) doing all things Medicare yourself, or (2) identifying and managing a Medicare agent. Your ultimate goal will probably be to reduce your frustration, errors, effort, and expenses as you navigate the world of Medicare. Both approaches can have similar out-of-pocket expenses, so you will want to focus on the approach that reduces your frustration, errors, and efforts more. This is because a relationship with a local insurance agents costs you absolutely nothing, since insurance companies pay the agents to help you. All 3 approaches (doing it yourself, managing an agent, or transitioning) have pros and cons. You can ask us about them.
You will be able to ask us the questions in the order that you want to ask them. If you do not have a preferred order, just ask us about what seems most important to you. Our goal is for you to come away feeling that you have understood. If you do not, please help us figure out how to do a better job because your understanding is how we know if we are doing our job.
An important step in building your knowledge and confidence is identifying the people and organizations that you can turn to and what they will want from you in return. This is the value we bring. You will especially appreciate our approach if you have tried reading government literature or materials from insurance companies on Medicare.
Alternatives To Medicare
There are alternatives to Medicare. Sometimes they replace Medicare, and sometimes they work in tandem. If having your coverages work in tandem is your goal, setting things up initially must be done carefully so that the Medicare enrollment does not interrupt the your over-arching benefits. If you are interested in coverage from more than one or two providers of benefits, you will want to seriously consider using a certified Medicare agent. Alternatives to individual Medicare plans include:
Tricare for Life—This is for military retirees.
VA coverage—This is for war veterans.
FEHB (Federal Employees Health Benefits program)—This is for non-military retirees from the federal government.
Group health plans from large companies for employees on pension plans.
Medicare Terms Remind Us of an Abbott & Costello routine
Do you remember the "Who's On First" routine?