Why You Should Shop Local to Avoid Medicare Confusion

Why You Should Shop Local to Avoid Medicare Confusion

Medicare is notoriously confusing to everyone. There are parts and plans and quite literally dozens of prescription drug plans to compare. But you may not need a drug plan if you choose Part C! (See? Confusing.)

It’s impossible to learn everything about Medicare in just a few months.

That’s why it’s so helpful to team up with a licensed sales representative whose job is to understand the intricacies of Medicare. But do you really need to use a local agent?

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Calling the 800 Number from That Medicare Commercial

We’re sure you’ve seen the Medicare commercials featuring celebrities like Joe Namath, which run rampant during the fall Medicare enrollment season.

All you have to do is call the 800 number on the screen, and you’ll be all set with a free plan that features tons of extra perks! The problem is, these plans are sold from call centers located across the country.

An agent in Utah could be servicing you, and Medicare plans are based on zip code. You want an agent who is very familiar with Macon County to be servicing you.

A local agent will understand the Medicare options in our county, such as which plans accept key hospitals like DMH and St. Mary’s. A call center agent has likely never heard of DMH or St. Mary’s.

The benefits described in those TV commercials are also very misleading. You can get a glimpse of it in this article: What Medicare Plans Offer Flex Cards in Decatur, IL?

Responding to an Insurance Company’s Mailer

When you’re preparing to turn 65, you will notice your mailbox fill to the brim with Medicare-related advertisements.

These are typically insurance companies trying to get you to choose their plan. However, you should use an insurance broker who has access to plans from all Medicare carriers – not just one.

That way, you can price shop the market and choose a plan with the benefits you need at the most competitive price.

If a particular mailer intrigues you, bring it in to our office! One of our licensed agents can check it out and see how it compares to all of the other plans in our county.

Working with a Local Insurance Agent

When you choose to work with a local agent, you can rest assured you’re getting the very best service. Because Medicare options are location-based, you want an agent who is well-versed in the options available here in Decatur.

As a bonus, our agency is a brokerage, meaning we represent dozens of insurance companies. We can compare premiums between all companies to find you the most cost-effective option.

We also have a local office in downtown Decatur to give you that friendly, hometown service. Many of our clients have formed long-lasting relationships with us, and we count it a blessing to be trusted by so many in our community.

What Decatur Residents Have to Say

Don’t just take our word for it! We have over 1,000 testimonials from clients who can attest to the friendly expertise our agents provide.

How to Get Started

To get started with local Medicare help, schedule your first appointment with us! You can do that online or by calling our downtown Decatur office at 217-423-8000.

We hope you shop local to avoid Medicare confusion!

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Disclaimer: We do not offer every plan available in your area. Currently we represent 4 organizations which offer 41 products in your area. Please contact, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.