05/05/2026
Medicare Specialist here....I see so many people needing assistance navigating the Medicare space specifically. I just want to leave some tips here:
1. If you are already Medicare eligible, review your plan and the changes that are happening for the coming year. Stay informed and ahead of the game so that you are not blind sighted. Plans change often.
2. It is not necessary, but very beneficial to work with a specialist. We are trained in every area of Medicare and can spot things that you may not even know where to begin looking. We have to be trained on what's upcoming before the general public is. Medicare allots a certain amount of money to the private companies to pay us to help you. It is very much illegal for anyone to charge the client for the assistance.
3. When working with a specialist... understand the difference between an agent and a broker. An agent works with one company and can only recommend who they work for. A broker can give you a broader view on the available plans in your area because they are contracted with multiple companies if not all in your area.
4. Do not make decisions based on what you've heard. Make informed decisions based on weighing all options that are in black and white. Supplements can be a great option for some and advantage plans for others.
5. Understand how ancillary products come into play with your medicare plan. They may include hospital indemnities, home health care, dental plans, cancer shields, etc. These typically work well with advantage plans because they are typically much cheaper than it would be to be on a supplement.
6. Those food, rent, and utility benefits are specific to plans that you must be eligible for. That is not the standard.
7. Understand the difference between HMO and PPO. HMO are plans where you must stay in network. PPO, you can go in and out of network.
I am licensed in CA, AZ and SC for anyone who needs assistance. I can also help with Final Expense, Dental and Vision. I encourage you to seek a specialist in your State for assistance.
