Why Have A Dedicated Insurance Agent
When your car needs maintenance, do you just stop at the nearest roadside gas station or go to your trusted dealer or mechanic? Selecting a Medicare health insurance policy is the same, you go to who you trust.
Turning Point Advisors LLC is a local, Twin Cities Medicare health insurance broker. I am appointed to sell Medicare polices from Blue Cross, Humana, Health Partners, UnitedHealth Care, Allina Healthcare | Aetna, Medica, Ucare, Cigna, Medicare BlueRX, and Silver Script. I am licensed in Arizona, Florida, and Minnesota.
Unlike other agents, I am here to serve you today and in the future. My primary goal is to find the right policy that fits your medical needs, your provider network needs and financial needs. My job is to have an open unbiased conversation with you and present all benefit options.
Here are some valuable tips that others do not want you to know.
1. What to expect as you get closer to you 65th Birthday
As you get closer to your 65th birthday, your date of birth and address are public record. So be ready for an on-going flood of mail about retirement seminars, Medicare or Social Security workshops, free dinners for attending retirement meetings and sales brochures from every insurance company.
Understanding Medicare is complicated. So most who are wanting Medicare information usually just go online to do research. Many web sites apear to be official Medicare sites, but all they really do is gather your information and sell it to agents or call you directly and pressure you to enroll. If you want to save time and hours of research, then just give me a call. I will be happy to answer any questions you may have with no pressure and no obligation to enroll.
2. Meetings promoted as Medicare or Social Security workshops. These types workshops are marketed by Financial Planners. You most likely will receive a letter inviting you to a free dinner or attend a seminar.
I have been to many of these meeting doing market research and have found that only a few minutes are spent on Medicare or Social Security information. Usually the hidden intent of the meeting is exclusively focused on you coming to their office so they can invest your 401(k) or IRA nest-egg or sell you a complicated Annuity. It is all about your money because they earn high commissions.
The real rub comes when you have problems with the Medicare health plan they sold you, because many planners know little about the policy or Medicare and will just direct you the 1-800 service line. This is why you need an experienced agent who exclusively deals with Medicare and can get you the right answers.
3. What to expect if you attend an company sponsored Medicare workshop
Insurance companies advertise workshops to explain their Medicare plans. Many of my clients have found that the real purpose of the workshop is to sell you only that insurance companies plan.
If you have done your homework and the plan being presented meets all your needs, you should consider enrolling.
However, captive agents will not compare their plan to other insurance companies, so you will not know if the plan you enrolled in is the right plan for you. As an Independent Agent, I represent all the Medicare plans in the Twin Cities and can compare more than one policy.
4. What to expect if you enroll on-line
If you purchased a Medicare policy on-line or called an insurance company directly to enrolled, then you do not have a dedicated agent to represent you.
When you have a problem, you will be calling an 1-800 customer service number, being put on hold, only to speak with someone who sometimes are not completely helpful.
As your independent agent, in addition to your insurance company’s customer support number, I offer 24/7 client support. I help with policy benefit questions or complex billing issues and can speak on your behalf with Medicare, Social Security, or your Insurance provider to solve complex issues.