Health Insurance and Medicare Brokers in Providence

One of the first healthcare decisions most seniors have to make is whether they want a Medicare Advantage Plan. Medicare Advantage Plans are private insurance plans that offer the same hospital and medical coverage the government provides through Parts A and B plus other benefits such as lower costs, prescription drug coverage, vision insurance, and dental insurance. However, Medicare Advantage Plans limit seniors to a particular network of physicians and healthcare providers. Here are the most popular providers of Medicare Advantage Plans in Rhode Island:

Medicare is well-known as “public health insurance for seniors,” but the particulars of how the system works escape many Americans. For instance, Medicare is not free and seniors are responsible for monthly premiums, co-pays, and deductibles based on the plan they choose. Here are a few more common misconceptions that a Providence Medicare broker can correct:

Collaborating with a professional health insurance broker in Providence is good, but finding an ideal insurance agent is even better. First, use Google or another search engine to verify each candidate’s licensure and professional standing. Next, check to see who each agent works for. Captured agents are good at explaining the benefits of their employer’s plans, but an independent Providence Medicare broker can offer more options without any bias. If your loved one is considering non-Medicare options such as insurance offered by a private insurer, make sure their broker has experience reviewing other plans and policies. Perhaps most importantly, interview promising candidates with your loved one to make sure that they can establish a strong line of communication. Our comprehensive guide to choosing a health insurance broker provides more details.