How To Choose An Ohio Medicare Supplement
Whether you are turning 65, or just shopping to get lower rates for your Ohio Medicare Supplement
, there may be some things you want to consider as you shop around. Here are three things you might want to consider.1. How to Get the Most Bang for Your Buck
Did you know that Medicare Supplements in Ohio are not nearly as complicated as you might imagine.
If you have ever gone shopping for health insurance, you were mostly likely more confused after you looked at your options than when you began. The reason is that there are so many variations of plans and options that it is difficult to know where to begin.
But with Medicare Supplemental insurance, it is actually pretty easy, especially if you simply want to get the most coverage for the least amount of money.
Here is an example of what I mean by that:
Jill, from Akron was shopping for a Medigap Plan F (A very popular plan). What Jill found out was that in Ohio, all Plan F policies, from every insurance company, are exactly alike. In other words, a Plan F from Company A, offers exactly the same benefits (or coverage) as a Plan F from Company B. But there is one big difference between these plans... the price!
When Jill compared the prices between these companies, she was shocked to learn that there was so much difference for exactly the same coverage.
The Plan F from Company A had a monthly premium of $112, but the Plan F from Company B had a monthly premium of $164, a difference of $52 dollars per month, or $624 per year. Now that might not seem like much to some people, but for Jill, who was on a fixed income, that savings meant all the difference in the world.
2. How to Avoid The Noise and Confusion
When we talk to Ohio residents, one of the things we realize is that a lot of people are confused, because they get their name on a list and they get bombarded with mail and phone calls.
Most people simply can not handle the mountain of information that comes to them when they are looking for help with their Medicare related insurance.
Going online really has made shopping for Medigap much easier, in some ways, but it has also made it harder in other respects.
For example, at this very moment, if you are reading this, this page is probably surrounded by advertisements, both text ads and images.
Noise!
The fact is, if you click on one of those ads and fill in your name and phone number, you are likely to be overwhelmed by information and agents wanting to sell you some plan. In fact, many online sites simply collect your information and sell it to as many as 10 different agents! Talk about confusing.
3. Get Help From Someone You can Trust
It is O.K. to get help, but make sure you are getting help from online brokerage that will work for you and put your interests first.
A trusted online brokerage will represent all of the major companies in your area and will help you compare plans with the inconvenience of high pressure sales.
There is no one-sized plan that fits everyone, which is why it is important to find a trusted advisor that can help you compare and save and get the plan that is right for you!
by: Tony Jackson