By Joel Lourie, President & CEO; of Lourie Life & HealthYou cannot turn on the tv or open your computer without seeing dozens of celebrities or actors talking about some great benefit that you may be missing with your health coverage.Youre then directed to a call center, and thats where things can go wrong.Making decisions about Medicare and Health Insurance requires much thought, planning and research.Its important to work with someone familiar with the options available in your county and state.
If youre working with a local, licensed agent, they will do the research to make sure your prescription drugs are covered, and your doctors and healthcare facilities are in network with the plan youre considering.Local agents can do telephone appointments, or they can meet you in person.Also consider who will be there to answer a question when you have an unexpected medical bill or claim denial.Your local agent is more than an order taker; they are your neighbor, advocate and regular resource for all your questions.Ive often seen the unfortunate outcome when consumers end up with the wrong health plan.
Prescription drug prices can become unaffordable because they may not be covered.An important specialist may not be in network and therefore a client cannot visit the doctor that treated them for years.More preparation and research in the beginning can save people time, money and stress when it comes to their healthcare.Would you go to an orthopedic doctor for stomach problems? Would you see a divorce lawyer for an automobile accident? Of course not, and the same holds true with insurance.
There are agents that specialize in life insurance, annuities, long term care, disability, accident insurance, home insurance, automobile insurance, to name a few.Find an agent that specializes in Medicare and Health Insurance; this field, like the others referenced, has many nuances when it comes to co-pays, deductibles, networks, etc.Work with a local professional experienced in helping you find the health plan that meets your specific needs and budget.
Publisher: Life Plan Community ( Read More )
