What Makes a Great Insurance Agent?

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What Makes a Great Insurance Agent?

When you are shopping for any type of insurance, you are going to want the help and advice of someone who understands the insurance business and who is truly interested in helping you protect yourself rather than making the most money. Unfortunately some insurance agents are in the business for their own benefit and will not tell you when you are paying too much or are buying insurance that you simply don't need. I am a former insurance agent, and I have seen the best and worst. This blog is about noticing red flags when it comes to sneaky insurance sales people and about finding the signs of a truly good agent.


3 Medicare Myths, Debunked

Paying for medical care can be physically, emotionally, and financially overwhelming for many. As you become older or disabled, finding ways to pay for this care can be even more challenging, which is why so many people rely on government programs. Medicare, for example, is a common program for many, but most people do not fully understand it. With this guide, you will learn the truth about a few common Medicare myths.

Only Low-Income Individuals Qualify

One of the most common myths people believe is that only low-income individuals qualify for Medicare. This is actually a common belief because most people confuse Medicare with Medicaid.

Medicaid is a government program that provides financial assistance for medical care for individuals and families who are considered low income. Medicare, however, is an entirely different program.

To qualify for Medicare, you must be 65 years of age or older. Or, you may qualify if you are a younger individual with a disability that prevents you from working. Finally, if you have end-stage renal disease, which is also known as kidney failure, you can qualify for the Medicare program.

Covers All Medical Care

Although a great option for medical care, Medicare does NOT cover everything. Knowing what your specific Medicare plan covers and does not cover is key to receiving affordable and necessary care.

Medicare part A, for example, is basically hospital insurance, which includes coverage for inpatient hospital stays. In most cases, Medicare part A also provides coverage for nursing facilities and hospice care.

Medicare part B is also known as medical insurance because it covers some doctor's services, outpatient care, and preventative services.

There is also a Medicare part D, which provides coverage for prescription drugs. Finally, you may also qualify for a part C plan, which combines the above plans into one, providing you with the most coverage.

Qualification Is Automatic

If you are 65 or older or you are disabled, you may think you will automatically qualify for Medicare coverage. Unfortunately, this is not true.

Qualifying for Medicare will require signing up on the federal Social Security website. It is best to begin the signup process a few months before you turn 65 or once you have become disabled or have developed kidney failure.

Receiving appropriate medical care is possible no matter what age or income level you are. This guide will hopefully help you understand Medicare, its benefits and overall coverage, and how to qualify and sign up.