This article originally appeared on ostomylifestyle.org

Medicare is available for people at least 65 years old, for younger people who are disabled, or for individuals with renal disease. It consists of specific services available in three parts: Medicare Part A (hospital coverage), Medicare Part B (medical expenses), and Medicare Part D (which covers prescriptions).

While most Medicare recipients do not pay a monthly premium for Part A, everyone pays a monthly premium for Part B. To understand how the insurance works, you need to partner with a skilled insurance advisor who understands Medicare coverage. 

Reviewing the Services of Medicare Insurance Agents Near Me

Have you been asking, “Where can I find Medicare insurance agents near me?” If so, you’re not alone, as many people, just like you, need to understand the benefits of Medicare. That’s because people who need Medicare face so many different factors that can impact their lives, their health, and their healthcare costs. 

From housing costs to Social Security benefits and Medicare, you need to know what to expect. This is where an independent Medicare insurance broker can be of great assistance. An independent Medicare Insurance Broker will have the knowledge to help you navigate your Medicare options and financially protect your future.

A Medicare Insurance Agent Can Show You Your Options

First and foremost, knowing your options regarding Medicare plans is essential. The Medicare Advantage plans are Medicare health plans offered by private insurance companies, whereas Original Medicare is operated by the government.

If you’re unsure which plan is right for you, an independent Medicare Insurance broker can help you by assessing your preferences and medical requirements. If you are under 65, it’s essential to keep in mind that you may only be eligible for Original Medicare if you have a disability that prevents you from working full-time.

By partnering with a Medicare insurance broker, you can learn more about the variances between Medicare Advantage plans and Original Medicare coverage. For example, you will have copays so it’s important to review your coverage annually.

However, you will have to pay less for the out-of-pocket services that Original Medicare does not cover – benefits like dental and vision coverage. Medicare Advantage plans also have an out-of-pocket maximum per year.

If you opt for a Medicare Advantage plan, an independent Medicare insurance broker will help you compare plans. They will also check your eligibility and your budget beforehand.

A Medicare Insurance Agent Can Show You What’s Not Covered by Medicare

Original Medicare does not cover every service. For example, Original Medicare will not cover long-term care. On the other hand, some Medicare Advantage plans may cover some non-skilled, non-medical, short term home healthcare. Be sure to check plans for details. 

Get the Medicare Planning Assistance You Need

When you partner with an independent Medicare insurance broker, they can help you steer a clear path to find the appropriate plan for your health and wellness needs. Stay away from call centers and captive agents. Partner with an independent Medicare insurance broker who has many positive Google reviews, as they’ll be sure to find you the right plan at an affordable price.

Even more importantly, unlike big agencies and call centers, an independent Medicare Insurance Broker will be there for you year after year, to help you make necessary changes and resolve any issues with your insurance.