Tag Archives: Open Enrollment

An Agent or an 800 Number?

It is as predictable as the season’s changing. Your mailbox will soon be overflowing with letters and brochures on all the different Medicare Advantage Plans. You will see television ad after ad, each claiming their Advantage plan provides the most comprehensive coverage. Most will ask you to go online or call an 800 phone number to sign up. The question is, how do you know which plan to choose?
There is a better way. Before you decide, talk to an independent insurance representative who can sit down face-to-face with you and help you find the right plan for you. Independent brokers represent a number of companies and can explain how coverage differs. They will look for a plan that suits your needs and budget.
Best of all, you will not pay any more for your insurance if you purchase your Advantage Plan or Part D Prescription Drug Plan through an independent broker instead of an 800 number. Brokers and agents are compensated by the insurance company, not the customer.
As an independent agent and broker, I provide my clients with many other services as well, including:
Unbiased Advice: I help my clients choose a plan covering their preferred doctors, hospitals and prescription drugs. I also have a good idea of which companies have the best track record when it comes to pleasing their customers.
Help with questions: My customers have me to turn to when they have questions. That’s a lot better than an 800 number where you may reach a different customer service representative every time you call.
Help with claims: I help my clients navigate the rules and regulations and provide assistance if they need help filing a claim or an appeal. It is personal service that sets the independent representative apart from an 800 number.
No charge for service: There is never a charge for any of these services. They are all a part of the ‘package’ you get when you choose Mutsko Insurance Services. Call me, Laura Mutsko at Mutsko Insurance Services at 440-255-5700 before you decide on a Medicare Advantage Plan for 2017. Information on new plans will be available after October 15 when Open Enrollment begins.