A blog about Medicare. What you and your employees need to know
Experts- I’ll Have What He’s Having!
Author: Lora Drummond
Medicare Transition Specialist
[#30- 52 solution Series] Experts- I’ll Have What He’s Having!
I’ll have what he’s having….unless it’s Medicare.
When people become eligible for Medicare, they get to choose what type of medical coverage they want. Two popular plan search methods prevail:
-Most folks go to the Medicare.gov site to review and select from the many plans listed.
-They also ask friends and family for recommendations and guidance because the Medicare website has so many plans listed, and it feels overwhelming with where to start. It’s just easier to ask what plan someone else is on. This method is like… well, flipping a coin. Choosing a health plan shouldn’t be like just flipping a coin!
So Many Options
Here is the thing about Medicare. With Medicare, folks can sort of tailor their plans to meet their needs. What might be right for a neighbor might not be appropriate for you. There might be a better fit with another plan based on cost, coverage, copays, deductibles, network doctors, benefit options, and prescription coverage. Folks could pay more for less coverage or pay more for coverage to be on the plan their neighbor has. With Medicare, folks should look for plans with benefits that fit their needs!
There are Original Medicare plans with additions of Medicare supplements and drug plans, and Medicare Advantage Plans. There are also Medicare Advantage Special Needs plans that folks with chronic conditions might prefer. There is a plan for everyone. For someone to choose a plan just based on a casual recommendation rather than on personal needs leaves potential opportunities on the table. You should get all the benefits you are entitled to!
I’ll Have What She’s Having
When someone asks me what Medicare plan they should choose, or what Medicare plan we recommend most often, or what Medicare plan I would put my mom on, I respond that the appropriate answer depends on each person. The most appropriate plan is the one that fits them.
Choosing a plan based on a TV ad, a neighbor’s experience (good or bad), a postcard mailer, or a family member’s advice is not based on EXPERT advice. Unless, of course, your neighbor is a Certified Medicare Planner®!
Certified Medicare Planners® are experts trained on properly guiding folks on finding a plan to fit their individual needs. Experts ask qualifying questions about your medical conditions, doctor’s names, prescriptions you are taking, the pharmacy you prefer, lifestyle needs like travel, and budget concerns. Other factors may be important to your coverage, too, like options for fitness, dental, and vision coverage and transportation needs. Every plan does not cover those benefits in the same manner. Did you know there are as many as 5000 plan combinations for Medicare?
A Certified Medicare Planner® will show how to narrow down plans that fit an employee’s expressed needs. If someone still wants their friend’s plan, we can show them why it is or is not a fit for them, and they can decide whether they still want to enroll in it. We educate, so the transitioning employee makes confident decisions.
So don’t let your employees transition from their group plan and just follow their neighbor’s Medicare journey. Give them a team of Medicare transition experts dedicated to your employees’ journey to Medicare and provides them peace of mind when they make the transition.
It beats leaving them to flip a coin for making decisions! And the advice is free, so they can keep that coin in their pocket.
Need guidance on how to support your employees with other possible scenarios and helpful solutions?
Our Certified Medicare Planners® have more than 20 years of experience helping employees create Medicare transition plans BEFORE they need to enroll. We are ready to help!
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