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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.
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 http://medicare-
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-