Medicare Supplements offer great coverage for people on Medicare but it’s really easy
overpay if you’re not careful.
I’m Russell Noga with Medisupps.com I’ve got five tips to help save you the most money
on Medicare supplement plan.
Many people on Medicare realize quickly just how confusing it can be.
Choosing a Medicare supplement plan can be even more confusing.
In fact a lot of people sign up with the company that sent them the most material in the mail.
That is not the way to do it!
You need somebody that can help you at no cost and shop all the top companies and make
sure you get the lowest premiums but more importantly make sure you understand exactly
what you’re getting.
My job is to make sure you learn about Medicare and Medicare supplement insurance and make
it as easy as possible for you but also make sure you don’t overpay on your coverage
every year.
So that’s why I put this video together to help you get started in the process.
And at the end of the video I’ll show you a way to get quotes from carriers as well
as get in touch with me personally.
So without further ado here are five tips to make shopping for a Medicare supplement
easier for you.
Number one start doing some basic research on your own.
Now I know this sounds like a no-brainer, however before talking to any agent, including
myself, you want to have a basic understanding of Medicare Part A and part B as well as Medicare
supplements.
Now I would suggest that you read through some of the Medicare publications that you
probably got in the mail such as Medicare and you and choosing a Medigap policy.
Again you’re just looking for a basic understanding as you move forward in the process before
working with an agent.
Another good place to start is Medicare’s website which is Medicare.gov.
There you can find endless amounts of resources pertaining to Medicare part a and B and the
supplements.
So once you get some of the basics down its time for….Tip #2!
Find an independent experienced Medicare supplement agent to work with.
Now where can you find one of those?
Seriously though, working with an independent, experienced Medicare supplement agent doesn’t
cost you any extra, however you get to see a variety of companies and not just one option.
Why is that important?
Because every company has the same plans and benefits but they all have different premiums.
You don’t want to overpay on your coverage.
This brings us to number three of my five money saving tips for Medicare supplements.
Tip number three ask questions.
Ask your agent as many questions as you can possibly think of regarding Medicare supplements.
They should be able to answer them with no hesitation whatsoever.
You want somebody who will represent not just now but for years the come.
You certainly don’t want somebody who is just looking to sign you up and move on to
the next client.
You need to know exactly what you’re getting yourself into.
By asking questions you’ll be able to see just how much your agent knows and if you’re
working with the right person.
Ask if your calling in to a big call center or the person you’re speaking with has sales
quotas.
And then ask yourself do you really want to be part of someone’s sales quota or you
need somebody with the heart of a teacher who can show you exactly what you need not
just now but for years to come.
The person you end up working with should have a thorough understanding of Medicare
and Medicare supplements.
I’ve been in this business 5 years, I’ve helped over 2000 people with their insurance.
My clients love it and I love doing it.
So after you ask all those questions let’s get on to tip #4!
You must compare the premiums of all the different supplement plans every year when you get a
rate increase.
Most companies usually have a rate increase once per year, at that time you owe it to
yourself… or your agent owes it to you to shop the rates and make sure that you still
the lowest premium that’s available.
Now I shop the rates for my clients every year when they get a rate increase because
I’m know that there’s probably a better option out there for them and even if there’s
not this gives them the peace of mind in knowing there still paying the least amount possible
for the best coverage that they qualify for.
So if you’re watching this and you haven’t heard from your agent in a year, or two, or
probably more it’s time to give me a call.
I’ll make sure you’re paying the least amount possible.
So that brings us to the last tip on how to save the most money on Medicare supplements,
that’s tip #5 and that it is STAY HEALTHY.
I know it’s a no brainer however moving forward you will have to go through medical
underwriting if you do choose to change Medicare supplements.
Now what that means is you will have to answer medical questions on the new company’s application
and wish to apply for.
Staying healthy gives you a better chance of being able to switch to different carriers
down the road.
This allows you to save money because you can qualify when going through medical underwriting.
That medical underwriting consists of answering medical questions on the application and you
want to be able to pass those questions.
Even something as simple as not eating non-processed, real whole foods that have an actual nutrients
in and exercising more can go a long way in improving your health.
I hope you found these five helpful, the easiest way to get started shopping for Medicare supplements
simply visit my website Medisupps.com.
Another easy way just call me direct I’m available all the time at 888-891-0229.
Just a short conversation we could see was best for you.
If you like this video please go ahead and click the thumbs and subscribe button that’s
going to give you access to all of my videos.
The ones I’ve put up or already as well as everyone I’ve got coming out to help
you save money over the years on your Medicare supplement insurance.
Thanks again for watching…
stay Happy, stay healthy..and I can’t wait to talk to you soon!
Tip #2!
Two!
Tip # two!
Tip # 2!
And this brings us to tip #3 out of five of my Medicare money saving supplement savings.