When your car needs maintenance, do you just stop at the nearest roadside gas station or go to your trusted dealer or mechanic? Selecting health care and an agent is the same, you go to who you trust.
Turning Point Advisors is your local trusted health insurance agency. We represent all Medicare and Individual health insurance companies in Minnesota and service a very large client base of Medicare clients.
Unlike other agents, I am here to serve you today and in the future. I do not stuff you into a policy, like other agents, that you don’t understand or will be paying too much for. My job is to have an open unbiased conversation with you and present all options to meet your health needs.
Your date of birth is public information so be ready for an on-going flood of mail about retirement seminars, Medicare or Social Security workshops, and free dinners for attending retirement meetings.
If you go online to do your research on Medicare be careful. Many sites say they are official Medicare sites, but they will just gather your information and sell it to agents who will call you, pressure you, to enroll in an expensive plan. 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.
Here are some valuable tips that others do not want you to know.
1) What to expect if you attend a workshop about Medicare plans?
Insurance companies advertise workshops to explain their Medicare plans. However, many of my clients have found that the real purpose of the workshop is to sell you only that insurance companies plan, with no comparison to other plans. So, you really don’t know if it is the best plan for you.
If this was your intent in going to the workshop and you have already made up your mind to select their plan, then that's OK. However, it is always best to get a second opinion and enroll with an independent insurance broker like myself.
Workshops are designed to only give a brief overview on Medicare and focus on Advantage plans not Supplemental plans. Most of the workshop will be spent telling you why you should buy their Advantage plan with no information on other plans that are available.
2) Captive agents who are employed by the insurance company and run the workshops are not required to undergo yearly Medicare re-certification like an Independent Agent, and in many cases, cannot answer all your Social Security or Medicare questions.
As an independent agent, it is mandatory that I am re-certified each year by AHIP to sell Medicare insurance. I am required to be re-certified each year by every insurance company I represent in order to offer Supplemental plans, Advantage plans and Part-D plans.
I must be in good standing with the Minnesota department of insurance and Medicare. All licenses and Errors & Omission insurance must be active and current.
3) Have you been invited to a Medicare or Social Security dinner?
As you get closer to age 65, you will start getting invitations to meetings promoted as workshops on Social Security, Medicare or retirement planning.
These types of Medicare, Social Security or retirement meetings are usually marketed by Financial Planners. They are more interested in having you come to their office so they can invest your money or sell you a very complicated Annuity. It is all about your money, because they earn high commissions.
Financial Planners are very good at financial growth, but do not have an in-depth understand of Medicare or Social Security or Insurance like I do. So, if you are expecting to learn about Medicare from one of these meetings, in many cases you will learn nothing.
I can provide this information at no cost and guide you thru the retirement process. Financial Planners charge big dollars to do this for you, but in realty all the information you need is free. Just ask and I will give it to you.
4) Then why not just purchase a Medicare policy on-line?
If you purchased a Medicare policy on-line or called an insurance company and enrolled, then you do not have a dedicated agent to represent you.
When you have a problem, you will be calling an 800-customer service number, being put on hold, only to speak with someone who sometimes are not completely helpful.
As your agent, in addition to your insurance company’s customer support, I offer 24/7 client support. I help with major billing problems, policy benefit questions, and can speak on your behalf with Medicare, Social Security or your Insurance provider to solve complex issues.
5) So, what if you are unhappy with your current Agent?
If you are unhappy with your current agent, then give me a call. If your current agent is not giving you the service or information you need, all you need to do is submit a simple one-page form and you can change agents. Give me a call and I can send you the form.