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Demystifying Medicare

October 15th kicks off annual open enrollment

October 15th to December 7th is the annual open enrollment period for Medicare to drop or switch your plan coverage.  I don't charge for my services.  When I enroll a client, the insurance company pays me a commission. I work with most insurance carriers sold in Massachusetts for Medicare: Medicare Advantage, Medicare Supplement and Prescription Drug Plan. 

How I run an appointment

1. Per Centers for Medicare & Medicaid Services (CMS): First, we need to have a Scope of Appointment signed to advise we will be talking about Medicare options, with no obligation to enroll. The form only requires basic information such as name, address, phone and date of appointment.

2. Then I have been running a short video or explains basic information about Medicare Part A, Part B, Part C and Part D. 

3. We then review your prescriptions, and I use a CMS program to enter each prescription with the dose and how often. That will cut down which plans will be a good option. 

4. We then check to see if PCP and other doctors are in the network or not. I answer questions as they come up to address concerns.

5. The meeting ends in a complete different ways: you enroll in a plan, you set up another meeting (need more time to think about it), you stay on Original Medicare (Part A and Part B only) with Part A & B deductibles and 20% cost sharing.

I prefer in person visit or zoom, but will work with clients based on their comfort level.  I always want family members or friends there as I know this can feel overwhelming.The most important thing for me, is every client is in the right plan for them.  This year, Hampden County will have a number of new plans available, so it is important that everyone reevaluate their plans.

Please contact me to set up your no-obligation consultation at 413-977-6016, cbeeke1@gmail.com.