For many people, choosing the right health care plan is very difficult. Most people will not be automatically enrolled in Medicare. It pays to check with a lot of different companies before committing How to Sell Medicare Insurance any individual plan. Payments are limited to the reasonable charge as determined by Medicare. Insurance producers dealing with senior citizens have a fiduciary responsibility to act in an ethical manner and to never sell inappropriate or duplicate coverages.

The best time to buy a Medigap policy is during your Medigap open enrollment period". And there are probably 20 or more Medicare supplemental insurance companies offering some or all of the plans in your state. If you are younger than 65 but you have Medicare due to disability, insurance companies in about half of all states are required to offer you at least one Medicare supplement policy.

If you already have a Medigap policy, cancel it once coverage begins with a Medicare Advantage Plan to avoid paying twice. Medicare Supplement plans are best for seniors with Original Medicare who want to make their medical costs more predictable. Telehealth is a growing trend and in 2020, Medicare Advantage will provide more access to health services.

Many Medicare Advantage Plans offer extra benefits such as vision, dental or wellness coverage. However, this kind of insurance is excellent as a complementary plan with Medicare, if your client can afford it or if they have lots of out-of-pocket costs not covered by Original Medicare (crunch some numbers with them).

A Medicare SELECT policy is one of the ten standardized supplement policies. Consumers are often surprised to find this out because there is plenty of rating information available for Medicare Advantage plans. People in Medicare Advantage, also called Part C, will more choices and lower premiums in 2020.