Help is available for those seeking Medicare coverage – InsuranceNewsNet

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Health insurance is not a subject that many people enjoy discussing and reading about because it is often a frustrating, confusing, and complicated topic. However, health insurance is necessary for everyone at all stages of life.

I want to focus on Medicare and what people need to consider when making a decision about the appropriate health care and wellness choices for themselves or a loved one.

Corresponding Medicare.gov, Medicare can be explained as health insurance for people over 65. You can register for the first time three months before your 65th birthday. However, it is also available to people with a disability, end-stage kidney disease, or ALS.

Medicare consists of three main components: Part A (hospital insurance), Part B (health insurance), and Part D (prescription drug coverage). Unfortunately, many often approach this important decision in uniform and misled by disinformation. I’m passionate about putting the right information in the hands of those who need it. It is of utmost importance to be aware of the resources available and to be fully prepared to make an appropriate choice for your healthcare or that of a loved one.

There seems to be a mountain of information people are bombarded with as they contemplate this decision; and unfortunately the majority presented in relation to Medicare is wrong for the prospective customer. It is shocking to know how many scams are out there about Medicare, and it is appalling how many people are negatively impacted by these misleading acts. Fortunately, there are several legitimate agents who are well trained and equipped to provide valuable information about Medicare insurance choices.

Ginny Curtis Gillespie, a veteran of the Medicare health insurance community, is the founder and owner of Navigating Medicare, headquartered in The Village. In addition, the organization has offices with trusted agents Tulsa, shawnee and ardmore, along with agents who are mobile and available to meet with a client at a preferred location. From the start, Curtis-Gillespie emphasized that you should never receive information from an unsolicited agent about Medicare over the phone unless you initiated the call. Her advice is to decline these calls and refrain from their offers as the best way to discuss your Medicare options would be in an office setting or at least with a local person who will remain in your court after the sale. The prospective client should make their decision based on their specific situation, both medically and financially. Therefore, a trusted advisor should take all of this into account when helping someone choose a plan.

Additionally, according to Curtis-Gillespie, you should see several insurance carriers in their offices, along with readily available information such as brochures and handouts. She said don’t hesitate to ask agents for references or scour websites for reviews from past and current clients. And here is a list of questions to ask the agent interviewing you:

• If you are a broker, which insurance carriers do you work for?

• What type of plans do they offer?

• Where do they get their education?

• Who owns the company?

These questions are helpful in making decisions as you traverse the often tangled web of Medicare insurance.

I don’t want you to feel overwhelmed or worried about making a choice on Medicare. Rather, feel empowered because you are well informed and ready to make a quality decision for yourself or a loved one.

There are other agencies Oklahoma who can help you with Medicare insurance.

For example, Sibley Insures is a married couple based in Oklahoma City. They started working in this industry to combat some of the misinformation and scams that so many have encountered. I want to reiterate that knowledge is power, and you won’t regret taking the time to line up all your ducks before making your Medicare insurance choice.

Robin Gun is owner of The Oklahoma Senior Journal. She can be reached at [email protected]. Her column on senior issues will appear monthly in Viewpoints.

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Robin Gun

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