Following these tips will surely help people find the perfect Medicare policy for them. It pays to explore your options first and, ask questions and be cautious of extras in order to make a well-informed decision.

Talking to reliable insurance agent or broker is also recommended in order to make sure that you’ll get the best advice especially if you seek the help of the former.

Medicare insurance brokers have a higher duty to their clients since they analyze people’s needs and secure the correct coverage for their needs. Since they have license and they perform higher duty, some brokers ask for a fee.

The key here in finding reliable agents or brokers that will provide you with the right information and can help you find a Medicare supplement insurance that can satisfy your future needs.

If you have it in you to help people prepare for their future and make the right decisions, join uiginc/brokerage now.

There is much confusion over whether Medicare beneficiaries who have original Medicare with a Medicare Supplement need to enroll in a Medicare Advantage plan. The answer is NO. If you like the benefits that you currently have, you do not need to make any changes to your health plan during the Annual Enrollment Period. You should however, review your Prescription Drug Plan to ensure that it is the best plan for you for the coming year. If you do not already have an agent whom you trust, you can find a local agent by searching at www.nahu.org - use the find an agent button.

If I alreday have a secondary insurance will I need Medicare Advantage ?

A factor that is not mentioned - Free gym membership. My advantage plan includes free Silver Sneakers exercise, zumba, and yoga classes designed for seniors and taught by Silver Sneakers trained instructors. I go to 3 free classes a week that would otherwise cost me at least $30 (more than $1500 a year). As a Silver Sneakers member I can take classes and use all the exercise equipment anytime at 24 Hour Fitness. Not all plans include Silver Sneakers membership. Check for plans in your area that include Silver Sneakers membership and locations of classes. For some reason, plan write ups don't often mention Silver Sneakers even if it is included. It is the best kept secret. I stumbled onto a Silver Sneakers Class years ago and now when I am shopping for my Medicare Advantage plan I always check to make sure it includes Silver Sneakers. I love my free classes with other seniors, taught by seniors, designed for seniors. And, need I say, my participation contributes as much or more to my health and well being than prescription drug coverage.