Kristina Schultz, Medicare/Individual Health Insurance Advisor
Working in health insurance for 20 years – and with Medicare since 2005 (the year before prescription drug plans were introduced) – I understand how complicated it can be, and I enjoy helping people navigate their options. Clients come to me not knowing much about Medicare or the different plans. They put their trust in me, and I take that very seriously, making sure to put them in a plan that’s suitable for them.
Employee-sponsored plans offer you a limited number of plans to select from, but with Medicare, there are many plans to choose from. It’s in your hands, and you don’t want to make a wrong decision. It doesn’t help that many national companies complicate matters with marketing campaigns designed to get you to call, so they can sell you their Medicare Advantage plan.
Due to all of the complexities, there are 4 big advantages to working with a professional when choosing — or updating — your Medicare plan:
- Expert help
There are so many rules and options when it comes to Medicare. An agent or advisor will carefully explain your options, go through the benefits of each of those options and help you choose which will best fit what you need.
Meeting with someone who understands the intricacies of Medicare gives you an extra resource. Health insurance is our main focus, so we have more insight into different carriers, which doctors work with which plans in which networks, and how – and when – you can make changes to your plan. It’s a time-saver. You don’t have to do the research yourself. Sometimes when people do the research, they get overwhelmed.
- Answers to questions
At Bell Insurance, there’s no extra charge to work with an advisor, and if you have issues later on, your advisor can help answer your questions and solve those issues.
- Trusted guidance
Many people have questions about how to sign up, when to sign up, how much it will cost, which supplements to get, and whether they qualify for assistance. When it comes to signing up for Medicare, some people are automatically enrolled and others aren’t. Some may also decide to postpone if they’re still working and have insurance through an employer. When you work with Bell Insurance, we guide you through the process, making sure you have the information you need to avoid penalty fees.
With open enrollment starting in October of each year, this is a great time to meet with an advisor to review your plan and see what other options might be available. We also recommend meeting with an advisor at least 3 months before you turn 65, if possible, so you have the information you need when Medicare is available to you.
At Bell Insurance, we work with multiple insurance carriers to ensure you have options and can find a plan suitable for what you need. We offer multiple health insurance options for individuals on Medicare or those planning to enroll soon, including:
- Medicare supplements
- Medicare Advantage plans
- Medicare cost plans
- Medicare prescription drug plans
Our Medicare advisors will meet with you and answer your questions, whether or not you bank with or have insurance through Bell. Whether you’re new to Medicare or already enrolled and looking for help, contact one of our experienced agents to help you understand your health care coverage options and assist you in deciding which will work for you.
A wholly owned subsidiary of Bell Bank, products and services offered through Bell Insurance are: Not FDIC Insured | No Bank Guarantee | May Lose Value | Not a Deposit | Not Insured by Any Federal Government Agency