What’s In Your Mailbox?

As a child I anticipated the daily delivery of the US Mail. Before faxes, emails, text messages and social media, the mailman represented the way most written messages were sent. Getting mail was the opportunity to receive a check, postcard, invitation or a pen pal’s letter. When my birthday card from grandma wasn’t there it also meant patiently waiting another day.

     Today the mailing of documents has become almost obsolete. Legal documents are signed electronically, birthday wishes are sent via text, and email inboxes overflow with special offers. Your mailbox has become a holding tank for unsolicited advertisements. Even if you feed your mail into a shredder (you have to with identity theft!), it is hard to overlook the colorful Medicare advertisements. When turning 65, or relocating, or with the Medicare Annual Enrollment Period (AEP) approaching, you will be the recipient of advertisements showcasing active seniors with smiling faces enjoying their health plan benefits.

     Medicare advertisements may be personalized if you’re on a mailing list or sent to everyone in your neighborhood. They come in all shapes and sizes. Some are large postcards and others are envelopes marked with an urgent message. Health plans highlight their best benefits or hint about what they offer. The information is interesting, but there may be problems hiding within these solicitations. The first problem is that regulations governing the Medicare program restrict health insurers from communicating how their benefits compare to their competitors. The second problem is you may not be eligible for the plans advertised and in fact you may be eligible for unadvertised plans. If you make an enrollment decision based only on the mail, you may miss free additional benefits, lower copays, a larger provider network or even money back in your social security check.

     To make the best decision for you, it is important to understand your own medical coverage needs and then review all of the options. I am a licensed agent certified to write all Medicare policies and I am currently scheduling enrollment appointments to help seniors complete their personalized Medical Coverage Needs review. Contact me today for your free appointment. This solution is simpler than sorting through all the health plan brochures lurking in your mailbox or attending every individual health plan seminar offered in your neighborhood. You will be able to determine what is most important for your health and financial well-being and save yourself a lot of time. When you call me for your Free Review you can keep on shredding, or lining the bird cage, with all the junk mail.

     It is my business to help you determine what is most important to you. My services are confidential and always free. I have access to all of the policy coverage details, the “fine print”, including deductibles, premiums, and free extra benefits. You owe it to yourself to review ALL of the options available including new plans being offered for 2020.