7 Secrets Every Insurance Agency Doesn’t Want You to Know
Choosing the right insurance agency can feel confusing. However, when you know what most people won’t say, everything gets easier. In this blog, you will learn 7 clear facts that many agencies try to hide. So, these tips will help you save time and money.
1. Every Plan Doesn’t Fit Everyone
To begin, not every plan works for every person. Sometimes, an insurance agency will try to give the same plan to everyone. But in many cases, that’s not the best fit. For example, if you go to the doctor a lot, you may need more help. On the other hand, if you’re healthy, you might need less. Because of this, a one-size-fits-all plan can waste money. So, always ask if the plan fits your real needs. You can explore customized Medicare insurance options here.
2. They May Not Show You All Your Options
Often, you may think you’re seeing all your choices. But in reality, some insurance agencies only work with a few companies. As a result, that limits the options you get. For example, you may miss out on plans that could save $50 each month. Therefore, you should ask how many companies they work with. That way, you know you’re getting all the best offers.
3. Some Agents Earn More from Certain Plans
Sometimes, it’s not about what works best for you. In many cases, insurance agency agents earn more money from certain plans. Because of that, they may push one plan over another. For example, one plan may pay them $500, while another pays $200. So, they might not give you the cheaper or better choice. To avoid this, always ask if they earn more from that plan.
4. They Might Rush You to Decide
In many cases, they want you to sign fast. As a result, they may tell you there’s no time to wait. However, most of the time, that’s not true. In fact, you often have days or even weeks to decide. So, you should never feel forced to sign right away. Instead, ask for time to think and check everything. That will help you avoid mistakes.
5. Big Words Can Confuse You
At times, they may use big words to sound smart. Still, many of those words just make things confusing. For example, “premium” just means your monthly cost. And “deductible” means what you pay first before the plan starts helping. So, you should ask them to explain things simply. That way, you understand what you are paying for.
6. They Might Skip the Fine Print
Usually, the small print has the most important parts. Still, some insurance agencies may skip telling you about it. For example, your doctor might not be in the plan. Or, you might have to pay extra for some visits. That’s why you should ask what’s covered, what’s not, and what costs more. In that way, you won’t get a surprise later.
7. You Could Be Paying Too Much
Often, people don’t know they may get extra help. Some insurance agencies don’t check for savings because it takes more time. But that choice can cost you money. In fact, 1 out of 5 seniors could get help but don’t know it. So, you should always ask, “Do I qualify for savings?” When you do, a good agent will help you check. Learn more in our blog on why smart seniors trust Medicare insurance brokers.
What Makes a Good Insurance Agency?
Now that you know the secrets, it’s good to know what to look for. A great insurance agency should ask about your health needs. Also, they should explain things in simple words. Most of all, they should never rush you. They should work with many companies so you get real choices. And of course, they should check if your doctors are covered. Finally, they must help you find savings when possible. At IM Medicare Ready, that’s what we do for you.
Important Questions to Ask Your Insurance Agency
By asking smart questions, you can avoid problems. So, here are a few things you should ask:
- How many companies do you work with?
- Do you earn more from certain plans?
- Can you check if my doctor is included?
- Can I think about it before signing?
- Will you check for any savings?
By asking these questions, you stay in control.
Say Goodbye to Confusion, We Keep Medicare Easy!
Now is the time to stop the stress and start feeling sure. With IM Medicare Ready, our friendly insurance agency makes everything simple. Because of that, you’ll know you’re in good hands. So, call us today and get real help with your Medicare plan!
Conclusion
In the end, picking a Medicare plan should not feel hard. When you know these 7 secrets, you can ask better questions. So many insurance agencies don’t tell the full story. But now you know what to ask and how to decide.
At IM Medicare Ready, we take your needs first. Our insurance agency gives clear, easy help. So, call us today, and let’s make Medicare simple and right for you.
FAQs
- Why use an insurance agency instead of doing it alone?
Because they help compare plans and handle the paperwork. So, that saves you time and trouble. - Can an agency earn more from some plans?
Yes, they can. That’s why it’s smart to ask before choosing. - What if I want to switch after I sign up?
Usually, you can switch during certain times. Just ask your agent. - How do I check for savings help?
A good insurance agency will check this for you. Just be sure to ask.
5. Are there any fees to use an insurance agency?
In most cases, no. They get paid by the plan. Still, it’s good to ask.