- Looking for a Medicare insurance agent in your area? Look no further. At Medigap Seminars, we will help you get the right Medicare coverage for your needs without any of the complications and inconveniences that arise when working with insurance agents who do not specialize in Medicare.
We are one of the country’s premier independent Medicare insurance brokers, operating in 49 states with over three decades of experience and thousands of happy clients.
In addition, we are among the only national insurance brokerage offering free Medicare Advocate services to our clients. Our Medicare Advocate is an experienced Medicare biller who helps our clients unravel complicated billing questions and more.
What Is the Difference Between a Medicare Agent and a Medicare Broker?
The term “licensed Medicare agent” and “licensed Medicare broker” are most often interchangeable. We, for example, refer to ourselves as an insurance agent or brokers all with the same meaning. It is more important and precise when we add that we are “independent”. An independent Medicare insurance agent or broker is a licensed insurance agent who works in the best interest of the client.
If a Medicare insurance agent is not independent, we refer to them as a “captive
agent”. A captive agent is one that is employed by the insurance company and therefore, by contract, acts in the best interest of the insurance company. Not your best interest.
The independent licensed Medicare insurance agent is appointed to work with multiple Medicare insurance companies. The intent is to have enough options available to be able to act in the best interest of Medicare beneficiaries, helping them choose the best option and company for their needs.
- At Medigap Seminars Insurance Agency, our mission is the help you make an informed decision on your Medicare choices.
- Navigating the Medicare landscape can be daunting, and we’re here to make the job as easy as possible for you. Our licensed Medicare insurance agents know the business from the inside out, so whether you’re looking for local Medicare help or just someone to lend you a helping hand when going over your Medicare options, Medigap Seminars is the place for you.
My Medicare Agent Near Me!
When our client are asked by their friends “Is there an independent Medicare insurance broker near me?” they always think of us, no matter where in the country they are. Why? Because with modern technology we are no further away from them than their local agent or broker.
What Does the Federal Medicare Program Cover?
Medicare is the national federal health program run by the U.S. Department of Health and Human Services for people aged 65 and over or people under 65 with disabilities.
Your Medicare costs can vary greatly, depending on your (or your spouse’s) employment status, the insurance provided by your employer (or former employer), as well as whether or not you have paid Medicare taxes throughout your working years. The basics of Medicare are contained within two pillars: Medicare Part A and Medicare Part B.
Please see my article on What Does Medicare Cover for details on the benefits offered by Medicare.
Medicare Part A
The first pillar of Medicare is all about hospital care. It can help you cover the cost of your hospital stay, home health care, hospice care, and care at skilled nursing facilities. Remember that if you don’t qualify for Part A, you can still buy it at a premium, which differs depending on how long you and your spouse have been paying Medicare taxes. If you choose to buy Part A, you must also buy Part B along with it.
Medicare Part B
Medicare Part B covers outpatient and physician services as well as some medical equipment and prescriptions. This includes things like ambulance transport services, and inpatient and outpatient mental health care.
Medicare Part D
Medicare Part D is your Medicare prescription drug coverage. It covers outpatient prescriptions and may have a separate monthly premium from Medicare Part B.
Each Part D prescription drug plan has it’s own formulary (list of covered medications) and its own pricing structure. We have created PartDShopper.com to help our clients learn about, identify and apply for the Part D plan that is best for them.
Medicare Advantage
A Medicare Advantage plan replaces Part A and Part B of Medicare for the sake of a privatized system that is intended to cover benefits from every category covered by Medicare Part A and Part B. A Medicare Advantage plan does not have all the same benefits offered by Medicare Parts A & B.
An Independent Medicare broker, like those working at Medigap Seminars, can help you assess your options and arrive at the most beneficial Medicare Advantage plan suited to your individual needs.
Your health insurance is critical to your quality of life and a licensed Medicare agent who is working in your best interest can you help you understand all the pros and cons of the Medicare plans available to you.
Each Advantage Plan company may have a different plan option from which to choose. Each company offers extra benefits and coverage options. We encourage our clients to focus on their health plan not the extra benefits. The best Medicare policy will help you save money by offering more benefits.
Independent Medicare Supplement Insurance Agents Near Me
Independent Medicare insurance agents can be a valuable resource in helping you understand your Medicare options and sort through the Medicare plans from which you must choose.
But isn’t it more important to work with a knowledgeable expert than simply someone who lives near you? I can count on one hand the Medicare brokers in this country that equal us in their expertise and experience. That is why people prefer to work with us.
The intent of Medicare is to cover those services and procedures that are medically
necessary to diagnose and treat diseases and conditions.
Medicare does not cover Long-Term Care, basic dental, or vision for eyeglasses and contacts. Original Medicare was never intended to be a stand-alone health insurance coverage. It has many deductibles and copays that are your obligation, and no maximum out-of-pocket limit to protect your financial exposure.
This is where your Medicare supplement insurance agent or broker comes in. Our job is to match you with the right insurer that offers Medicare plans which best fit your particular needs. Navigating the world of Medicare is a frustrating endeavor if you don’t really know the ins and outs of the industry, as well as all of the details that go into insurance plans.
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As a licensed Medicare insurance agent with extensive experience and knowledge, Matthew Claassen and his team work with you and within your budget to help you get the insurance coverage you need. Because we are paid by the insurer, our services are free to you, the consumer.
So, what exactly can you gain when working with licensed Medicare insurance agents?
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First of all, you’ll be able to find a plan that is as close to tailor-made for your needs as possible. This could be a Medicare supplement or Medicare Advantage plan.
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Secondly, the entire brokerage service is completely free — our fees are paid for by the insurer when we help you with your application.
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Finally, you’ll feel more at peace with your life, knowing that should anything happen to endanger your health, your Medicare and its supplementary plan have got you covered!
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Medicare beneficiaries will have a knowledgeable advisor whose entire focus is to help.
Help With Medicare Plans
At Medigap Seminars, we pride ourselves on being a truly independent insurance broker — we work with all of the major insurance companies and can offer you all of the currently available Medicare supplement insurance plans and most major Medicare Advantage Plans. Being a completely independent Medicare agent lets us focus on what is most important — the best interest of our clients. Everybody’s health insurance needs are different, and there is no blanket coverage plan that would suit everyone.
Our free services, seminars, and educational YouTube videos can greatly help you increase your understanding of how Medicare works and lead you to make an informed decision with regard to your Medicare plan. There are no hidden costs or caveats — our mission is simply to educate as many people as we can about the federal Medicare program, how to get the best supplements for it, and obtain the best health care coverage.
Which Medicare Plan is Best for Me?
There are a total of twelve different supplemental Medicare plans available. You can review the benefits of each plan here: https://medigapseminars.org/medigap-benefits/ Not all plans are priced at a good value and while the benefits are the same regardless of the insurer, the price for these plans vary wildly from one insurance company to another.
We help you sort through the plans to identify which Plan is best for you, Plan F, Plan G, Plan N or a high deductible are the most popular. We then provide guidance on which insurance company is more likely to offer long-term price stability.
The Bottom Line
Finding a licensed Medicare insurance agent within your zip code area used to be as much of a nightmare as tackling Medigap all by yourself. This is partially why Medigap Seminars was created — by establishing connections with the main insurance providers across America, as well as cultivating excellent customer service practices, we are able to reach clients in nearly all of the 50 states. Our brokers will always provide you with unbiased information and consider all your thoughts and concerns when it comes to supplementing Medicare with a Medigap plan.
Working With Medigap Seminars
Working with independent insurance agents is the best way to arrive at a satisfying conclusion in your journey toward finding a suitable Medigap plan for yourself. Don’t fall for the insurance providers’ ads and marketing tricks — licensed agents have a comprehensive understanding of all Medigap insurance products available on the market today.
If you have any further questions or concerns, don’t hesitate to reach out to us today! You’ll find all of our contact information here.
Frequently Asked Questions
Where can I learn more about Medicare and my supplement plan options?
The best place to start expanding your knowledge about Medicare supplement plans and your options is right here at Medigap Seminars. Our YouTube series on Medicare supplement plans, different Medicare options, and the input of independent agents has hundreds of thousands of views, and it is currently one of the best free Medicare help resources on the Internet.
Of course, if you want to learn more about the insurance scheme itself, there is no better place to go than Medicare’s official website: medicare.gov. You can find a lot of clear and concise information pertaining to the Original Medicare parts, Medicare Advantage, as well as other valuable data.
Can You Help Me Appeal My IRMAA Charge?
Yes, we can help you understand your IRMAA charges and how to appeal them.
What are high deductible supplement plans?
Medicare supplement plans G and F offer a high deductible option, which means that you will have to spend a larger amount of money out-of-pocket for your hospital bills before the plan actually starts returning any benefits. While this may seem like a bad deal at first, it can sometimes be more beneficial to opt for a high-deductible plan, as their deductible is also your maximum annual out-of-pocket risk.
As with most things Medicare-related, whether or not you should opt for a high deductible insurance plan is dependent on your financial situation and the state you live in. Reach out to an independent agent and figure out whether or not such a plan is actually something that you should be considering.
What is the Medicare Maximum Out of Pocket?
When you enroll in Medicare, you’re covered by Part A and Part B, which, as we have already stated before, do not provide 100% coverage. With Original Medicare in place, there is no limit to your maximum out-of-pocket expense. The insurance covers a certain percentage of it (80%), and you need to take care of paying for the remaining 20%, regardless of how many thousands of dollars it turns out to be.
However, many Medicare supplement plans come with an out-of-pocket maximum, which is essentially a safeguard preventing you from spending too much money on your health bill. Please see my article and video linked above for details on the maximum out-of-pocket for each of the most popular Medicare plans.
Matthew Claassen
Matthew Claassen, CMT and CEO of Medigap Seminars Insurance Agency. Medigap Seminars is an award winning premier national Medicare Insurance Brokerage, ranked among the top in the U.S.A. Matthew is considered a leading national expert on Medicare and Social Security. Mr. Claassen is a distinguished member of the Forbes Business council, an invitation only organization of business leaders and entrepreneurs. He and his team have received awards from many of the countries largest insurance companies including Mutual of Omaha, Aetna, Humana, Cigna, United American, United Healthcare and others. His videos have become the most popular Medicare educational videos on YouTube with millions of views. As a financial analyst Matthew lead a team of researchers to win the 2009 Best Equity Research & Strategy Award from The Technical analysis magazine.
