www.certifiedmedicareagents.com - Certified Medicare Agents
Posted 01/18/2023 in Medicare Advantage

Medicare Plans in Lee's Summit, Missouri

Medicare Plans in Lee's Summit, Missouri

Medicare Plans in Lee's Summit, Missouri

If you live in the Lee's Summit, Missouri area, we recommend that you work with a certified, licensed Medicare representative. They can help you compare different options and costs. 

What is Medicare?

Medicare is the most extensive government health insurance program in the United States. It is health insurance for people over 65 years of age. 

 Everyone who enrolls in Medicare gets the same primary benefits, regardless of whether they choose Original or Medicare Advantage. They include coverage for:

  • Medically necessary services to diagnose and treat diseases, injuries, and illnesses.
  • Preventive care, including screening tests, most vaccines and immunizations, and routine physical exams
  • Medicare doesn't cover prescription drugs (except in minimal circumstances), dental or hearing care or cosmetic procedures. Any long-term or custodial received in your home aren't covered either. 

There are four parts to Medicare:

  • Part A

It includes medical services, such as inpatient hospitalizations, skilled nursing facilities (SNFs), blood, home health care, and hospice care. You are protected during short-term hospital stays and for services such as hospice. With Part A, you also have limited insurance coverage for some in-home healthcare services and skilled nursing facility care.

  • Part B 

Medicare Part B covered services are the costs of doctors and other healthcare providers. These include medical, preventive, hospital, and emergency outpatient services.

  • Part C: 

Medicare Part C is also called Medicare Advantage.These plans combine parts A, B, and D coverage into a single program. Private insurance companies offer Medicare Advantage plans, which Medicare oversees. Part C plans may provide additional benefits that original Medicare doesn't cover. These may include benefits such as prescription drug coverage, fitness, meals after surgery, and vision, hearing, and dental services.

  • Part D:

These medicare drug coverage parts are standalone plans that only cover your medications. Private companies offer Part D plans, not the federal government. 

What Happens After you Apply for Medicare in Lee's Summit, Missouri?

After you sign up, you'll receive a Medicare welcome package in the mail with your Medicare card. 

Special Enrollment Period (SEP)

You might have medical insurance coverage under a group health plan depending on your current employment or that of your spouse. In that case, you may not need to apply for Medicare Part B at age 65. You can change your Medicare Advantage and Medicare prescription drug coverage when certain events occur. These events, called SEP, include when you move or lose other insurance benefits. 

How does a licensed agent help you find the best Medicare plan options in Lee's Summit, Missouri? 

The types of Medicare plans and registration deadlines can be pretty confusing. Below are the reasons why you should work with an agent when looking for Medicare plans: 

  • Brokers understand your insurance coverage needs. They study the market to find the right policy.
  • There are a lot of plan combinations, benefits, rules, and exceptions that only Medicare employees can explain. Agents know how to help you get the best value for your money. Medicare agents must pass several courses and exams every year. 
  • They represent numerous insurance companies, meaning they can offer you options from several carriers if you choose the one that suits you best. They can offer a variety of plans with unbiased recommendations. 
  • If you buy Medicare supplement insurance, Medicare brokers can help determine if you meet underwriting requirements. You won't waste time requesting plans that exclude you based on your health status. 
  • They can assist you in completing the forms for your application. Additional policy registration forms can be 10 to 15 pages long, all in small print! If you work with a local Medicare representative, they'll likely fill out the entire form for you. You'll answer the questions, and your medicare broker will take care of the rest. After you sign up for a plan, you must keep in touch with the agent. The changes occur every year, and you should stay up to date on how these changes may affect your insurance coverage and premiums. 

 Type of agent or broker:

  • Independent agent: Working with an independent Medicare agent can let you choose from various policies. Independent medicare agents and brokers provide unbiased advice.
  • Captives Agents: These agents can only sell you the plans of the insurance company they represent.

Benefits of working with an independent Medicare agent :

  • Licensed professional insurance brokers can advise you to choose the best deal for your unique needs. Depending on your needs and budget, brokers can help you decide what insurance coverage is best for you. They do it every day. Based on experience, they can advise you if you have any problems.
  • Brokers will make sure that you will use your time effectively. A local Medicare agent can educate you about all your Medicare options. 
  • Brokers generally know the options and can help you solve them faster than you can.
  • You will continue receiving direct one-on-one customer service with an independent local representative. You can keep in touch with your agent by phone or email or even stop by their office if you have one. (Many agents work from home, even before COVID). Your local representative will likely occasionally contact you to provide news or updates. 
  • Work with an independent local agent instead of working directly with a carrier. You won't have any additional costs. In both cases, you pay the same premium and will have more help if needed.

Medicare agents will help you narrow down your options when you apply for health insurance. They'll ask you about your health goals and offer options and solutions to help you achieve them within your budget. Medicare brokers get paid when they sign you up.

What are the things to consider when choosing a broker in Lee's Summit, Missouri?

  • Experience: Choose a broker with extensive experience selling Medicare plans in your state. A knowledgeable and experienced Medicare representative can help you choose the Medicare plan that best suits your needs. 
  • License: Check with your state's insurance department for license status to ensure you're negotiating with an approved broker. The license must also include the license number. You can visit this website to verify your broker's license: https://content.naic.org/state-insurance-departments
  • Choose a representative or broker with excellent customer service. Ask family and friends for recommendations. During an interview with a representative or broker, ask about the plans they offer and the type of customers they usually accept. Check their reviews on this site if they have any. 

Do you need help choosing the insurance that's right for you? 

Choosing the right coverage is essential. It's important to understand your Medicare insurance coverage. The agents and brokers at CertifedMedicareAgents.com will be happy to help you find a plan that fits your needs. Select one of the agents on this site and send a message today! 

Why choose the Medicare Certified Agent Directory?

The Medicare Certified Agent Directory doesn't sell your information to several insurance agents looking for "potential customers." You can control who contacts you, and you can be sure that several agents won't contact you. 

Do you have more questions? Please keep visiting our home page, where you'll find informational articles to familiarize yourself with Medicare plans.