Seniors and Medicare Consumers Being Forced To Learn Benefits on Their Own!

Consumers will be without the additional assistance of many qualified health insurance agents when making a decision about their Medicare options; choosing the wrong plan could have enormous consequences with lock-in periods preventing any changes.
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Medicare Benefits Coverage
Medicare Supplement
Medicare Advantage
Medicare Part D
Medicare Coverage


San Ramon - California - US

Nov. 3, 2008 - PRLog -- San Ramon, CA - According to CMS (Center for Medicare Medicaid Services), their Medicare Enrollment – National Trends report shows the total number of consumers enrolling into Medicare for 2007 was 44,009,689 (of which 7,335,307 are disabled persons); every year millions of consumers are either enrolling or changing their Medicare benefit plan options.  With such a large volume of yearly activity, there will always be moments when a consumer wonders either about their eligibility for Medicare requirements, how does Medicare work, should they choose a Medicare Supplement or Medicare Advantage program?  Even though there are a number of insurance agents working for health insurance carriers, brokers, or as independents, their methods of communication are limited due to the pro Do-Not-Call movement.  

The new marketing environment of limiting unsolicited agent contact with Medicare eligible consumers is forcing the consumer to take responsibility for their actions or inaction's (depending on enrollment date, late fee penalties can be assessed).  The objective is to protect the consumer from being over loaded with multiple inquiries for assistance with their Medicare options, but with every cause, there is usually an effect.   There is an alternative which the Medicare eligible consumer can take and that is to become proactive, contact the carriers who sent them literature; keep in mind that some insurance carriers do not offer the same products as other carriers, so your options could be limited.  

If you do contact a health insurance carrier, broker, or agent, don't feel pressured to make a decision at that very moment; instead let them know you are just researching your options.  Another option to consider that doesn't place the consumer in an uncomfortable situation of being sold something is to use online resources; preferably a site that offers current news, articles, videos, polls, products, and links to other helpful sites such as  

Similar to employers making employees responsible for selecting your own 401K investment options, Medicare consumers must take charge of their health insurance options.  Combine the current Do-Not-Call restrictions with the new CMS Marketing Guidelines for 2009 (primarily for Medicare Advantage and Prescription Drug products), which forbid unsolicited phone calls and door-to-door knocking, this means the Medicare consumer will be responsible for deciding which of the following plan options fit their needs:  Medigap, Medicare Supplement, Medicare Select, Medicare Advantage, HMO, PPO, PFFS, LPPO, RPPO, POS, Original Medicare, Special Needs Programs, and Medicare Part D.  Traditionally, many Medicare eligible consumers are flooded with various health insurance plan options via mail from many different carriers and this has caused a period of indecisiveness due to the volume of information.

Dwight Brisco is a California licensed (0F10560) Independent Health Insurance Agent who offers his services to consumers about choosing a Medicare plan, under65 private health insurance options for Individuals-Family, Students, and Guarantee Issued Health Insurance (HIPPA Certified) for consumers who are uninsured, under-insured, or looking for a COBRA alternative visit   For consumers who are under65 and would like a 24/7 California Online Health Insurance Quote visit
Source:Dwight Brisco
Email:Contact Author
Tags:Medicare Benefits Coverage, Medicare Supplement, Medicare Advantage, Hmo, Ppo, Pffs, Medicare Part D, Medicare Coverage
Industry:Medical, Health, Insurance
Location:San Ramon - California - United States
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