What’s the most popular Medicare Advantage network choice for seniors in Rochester?
If your senior is interested in Medicare, they might have heard of Original Medicare, which constitutes Part A (hospital insurance) and Part B (medical insurance). Many people also add Part D (prescription drug coverage) for an additional premium. Medicare Advantage (Part C) is government-approved coverage sold by private insurers that typically offers similar coverage as Parts A, B, and D along with extras like health and wellness, hearing, vision, and dental benefits. Take a look at the largest Medicare Advantage plan providers in New York:
- Healthfirst Health Plan, Inc.
- Aetna Life Insurance Company
- Excellus Health Plan, Inc.
- Care Improvement Plus South Central Insurance Co.
- Unitedhealthcare Of New York, Inc.
Whether your senior wants Medicare Advantage or Original Medicare, it’s important to know the pros and cons of each so that your loved one’s health care needs are taken care of and their money is well spent. It’s not always easy to know how to make the right health insurance selection, which is why your older adult could benefit from working alongside a trustworthy Rochester Medicare broker with a wealth of experience in this arena.
How old are Medicare supplement policy owners in Rochester?
Individuals who secure Original Medicare coverage often realize that while their hospital, medical, and maybe even drug prescription costs are covered, they still have out-of-pocket expenses like copayments, coinsurance, and deductibles. Medigap (Part G) is a supplemental plan sold by private insurers to help fill in these and some other financial “gaps.” The following data highlights the age distribution of Medicare supplement policy owners:
While Medicare supplemental policies appear to be the most popular among seniors who are newest to Medicare, they can be a good option for any policyholder. A great way to determine if it’s right for your aging loved one is to speak with a skilled Medicare broker in Rochester who has insight into Medigap plan options as well as other health insurance choices your senior might want to consider.
Where can I find reliable health insurance and Medicare brokers in Rochester?
If your senior is considering new health insurance options for the first time in many years, they may be unsure of how to make the right selection. A qualified health insurance broker in Rochester can make the process simpler, but first, you must choose the right broker. How can you get started?
You’ll want to check the background of any Medicare broker in Rochester you’re considering by first confirming that they have a New York insurance license. You can quickly and easily check this information with a Google search. It’s also important to confirm that the person is actually an independent broker as opposed to a captive agent since an independent broker is able to provide more options. As you begin to speak with brokers, don’t hesitate to walk away from any that ask for your senior’s private banking information, discuss plans you haven’t mentioned, or attempt to pressure your loved one into specific plans.
You can learn more about this topic by exploring our comprehensive guide to finding a health insurance broker or Medicare broker.
Rochester’s most knowledgeable health insurance and Medicare brokers
Having access to affordable health care that can enhance your senior’s well-being is an important aspect of aging in place with grace and dignity. A reputable Rochester Medicare broker can help your loved one find coverage that meets their goals. Let Seasons assist with your search for a skilled broker. Explore our free Rochester Medicare resources today.
