1. Now that you are about to go on Medicare even though you will have Medicare you need to know that Medicare A and Part B only covers 80 percent of "their" approved amount. Which leaves you paying the other 20 percent. That is why you will need to seek out a Trusted Insurance agent or preferably a Trusted Broker. Especially now that the new Health care bill passed, as the government plans on paying for the new health care program by taking over 500 Billion dollars from Medicare over time to pay for the new plan. This can and probably will adversely affect yours and my future Medicare benefits.
2. If you are just turning 65 you should know that you do not have to qualify medically to obtain a Medicare supplement plan or a Medicare Advantage Plan. (Please look for my other articles on the differences between Medicare supplements and Medicare Advantage plans), this would be very important information to know!
3. If an agent/broker has sold for a long time in my opinion over ten years, and they have been able to make a comfortable living doing so then they have to know what they are doing and are taking good care of their clients. You would want to deal with someone that you can reach easily by email or phone when a question or problem comes up.
4. One way you can check on how long they have been licensed is to contact your local Department of insurance. They have all the licensing records on all agents as well as any complaints or sanctions. I shouldn't have to tell you that if you check and find out they have a complaint even one or sanctions stay clear of that person!
5. Does he/she seem more concerned about pushing a certain product on you before they have qualified your needs? If so, move on fast! In fact RUN! If an agent cannot give you the respect and time to get to know you and your needs then they only look at you as a dollar sign. Pure and Simple, but one that will insist on a sit down appointment to take the time to ask important questions so they know where and what companies that will fit your needs, that is an agent you want in your corner!
6. You want "your" broker/agent to take the time to ask questions about your life style, your family, your future goals, then that is someone that probably is trying to get to know you well enough to suggest some good plans that will fit you, your needs, and lifestyle.
7. Because Medicare Advantage plans and Drug plans change each year, you need an experienced agent that keeps up with all of the changes in Medicare regulations. You will also want a company that your doctors and clinics in your area will accept. Of course this can change daily, "golden rule", remember that any doctor any time can choose to not take Medicare patients or certain Medicare plans. So always check with your main doctor to be sure the plan your are leaning towards will accept the plan. A good Insurance Broker will usually check this out for you.
Find your Free Newsletter here for more valuable Insurance tips before you buy: http://www.trackingyourfuture.com/
Jacque Smith has been an Independent Insurance Agent for over 16 years. She has helped thousands of people including Seniors choose the right Insurance plan for them. Whether it be Life Insurance, Health, or Medicare Insurance she has always put the clients needs before her own.
Jacque also has done a great deal of voluntary work in the Senior community in her city. The experiences and joy of being able to meet new people every day is what has kept Jacque in the Insurance Industry.
For help in finding an Experienced agent- broker like Jacque in your area go here: http://www.myinsurancetrack.com/
Article Source: http://EzineArticles.com/?expert=Jacque_Smith
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