Ads for Medicare plans are not exactly subtle about the wording they use to try and get you to pick up the phone. Maybe they don’t say those exact words but the goal of every phone call and email and text message you get from marketing companies is the same: create the “fear of missing out”. In some cases, it could be true. You could have a plan that is not as competitive as it used to be. However, it causes people to get emotional about their insurance choices and then they may make a bad choice because they did not take the time to thoroughly research options and make sure that the new plan will work well for them. This year, it seems seniors are very fed up with the ads and phone calls. They are just done being “sold” no matter how good the options are. My clients are giving me the feedback of Medicare fatigue. They simply want their phone to stop ringing so they don’t have to talk about Medicare anymore. Who could blame them?
If you want to look at all the choices, or you know that a change is going to be necessary but you want to avoid fatigue and emotional decision making, the following is my recommendations for making a good choice.
- This will be a self-serving statement but a local agent does not cost you anything and they can be invaluable to guide you. In particular a broker that can look at multiple carriers to choose from.
- Establish what benefit is MOST important to you: is it the lowest cost on prescriptions? Do you need good dental benefits because you need a lot of dental work this year? Sometimes this can help filter your choices.
- Don’t make a decision based on hyperbole. Separate facts from opinions: for example, lets say your neighbor tells you that you should NEVER look at advantage plans and that they are all bad. Does she have a specific example? Or is it just something someone told her? Have an open mind and form your own opinion too!
- Make sure your doctors and prescriptions are covered. The plan can be the best benefits you’ve ever heard of, but if you are going to have trouble using it, then you are likely to experience buyers remorse.
Medicare doesn’t have to be exhausting. Bring in an expert who can carefully help you research and hang up on the telemarketers! There is plenty of information to make a well informed decision at your own pace. If I can be of any assistance to you, do not hesitate to call or text 9188538445 or email me at firstname.lastname@example.org