“I have a Medigap Plan to supplement my Medicare. Do I still need to enroll in a Part D plan?” If you have wondered this, you are not alone. Even if prescriptions aren’t important to you now, there are reasons to enroll in a plan.
Really, it doesn’t have to be that bad. The truth of the matter is that all the Parts A – L are standardized. That means they are all the same no matter what company you choose to get them from. If you’re shaking your head here and wondering what the heck, hang on for one minute. Although the Plans are standardized, the price the Plans are sold for isn’t.
If you have no health issues, you may not need a plan that covers every possible health care cost, as you get for example with a medicare supp leads Plan F or Plan J. You may be content with lesser coverage, such as you get with a Plan A for example.
So one of the first things you will need to do is to look at the benefits and decide which coverage level you would like. If this is confusing for you, as it is for many people who are new to the system, you may want help from a qualified agent.
Although all lines of insurance agents can launch a telemarketing campaign, this article is going to target the sale of individual health and life products. There is a different script and method for telemarketing consumers for senior products such as medicare supplements and P&C.
Don’t want to switch because you are satisfied with your coverage? This is a common concern. The fact is that supplement plans are standardized by the federal government. An “F” supplement with ABC Insurance Company is the exact same as an “F” supplement with XYZ Insurance Company. The benefits are exactly the same, but the cost will vary from company to company. If you switch from like plan to like plan, your coverage will not change and you do not have to worry if your doctor will accept your plan as long as they accept Medicare.
What has happened in this nation is two classes of people – the takers and the givers – and the givers work and have insurance and the takers don’t. Finally, the givers have nothing left to give the takers. We may have to endure for the night – but joy cometh in the morning – election day 2010 and 2012.