With HealthMarkets Insurance Agency, licensed insurance agents lay out the facts about the nuts and bolts of Medicare
By Beth Newcomb
Every Medicare plan has its share of nuts and bolts, and bells and whistles. The nuts and bolts, says Marisella Rios-Weible, a licensed insurance agent with HealthMarkets Insurance Agency who shares the local agent-in-the-know spotlight with her daughter, Laura Weible, freshly licensed son, Chris Weible, and licensed insurance agent George Halle, are the key components of the plan.
“I refer to co-pays, co-insurance and out of pocket costs as the nuts and bolts of a Medicare plan,” Marisella says. “These factors may help you determine the Medicare plan that best fits your needs. Prescriptions could be another factor in helping you determine your options. Medicare plans have their differences. Additionally, the doctors you prefer and the health system of your choosing may also come into play in the nuts-and-bolts component.”
“The Inflation Reduction Act of 2022 has several components, including lowering prescription drug and health care costs,” says Chris. (Source: https://whitehouse.gov/briefing-room/statements-releases/2022/08/19/fact-sheet-the-inflation-reduction-act-supports-workers-and-families/) There may be several plans in your area that offer different benefits from various carriers.
“That’s why it’s important to schedule a no charge Medicare review with a licensed insurance agent on the team,” says George. Enrollment runs from Saturday, October 15, through Wednesday, December 7.
“Many people may find that reviewing their options during the Medicare Annual Enrollment Period will help them determine the plan that best fits their needs,” George explains. “And if you’re a new 65 or you’ll be turning 65 in the next three months, you’ll be reviewing your Medicare options for the first time.”
“No two people have identical situations,” Laura states. “You have your own health concerns, doctors you prefer, medications you take and extras you need that are specific to you. So, your Medicare plan choice will likely be different than that of, say, your neighbor or spouse.”
“We aren’t captive agents, which means we can provide information about a number of different plans,” Marisella says. “We’re passionate about matching clients with their needs.”
Extra Benefits
“Once we’ve zeroed in on your needs, we can take a look at what we call the extra benefits that may be available in the plan of your choosing,” Chris says.
Some plans include extra benefits to help fit the needs of some beneficiaries. A review with one of the licensed insurance agents with HealthMarkets can provide the details regarding which benefits may be available in your plan of choice.
“We are familiar with many plan details,” Marisella interjects. “Drop by the office or schedule a no-cost review and use us as your resource. We’re happy to spend the time necessary to help ensure you choose the plan that best meets your needs.”
Every year, Medicare plans can change. Because it can be a challenge to decipher on your own whether your plan has changed or whether a different plan has options that work better for you and your budget, it can be beneficial to tap into the knowledge a licensed insurance agent with HealthMarkets can provide.
“We help cut through the clutter and confusion and provide personalized guidance,” Laura notes. “For us it’s about helping people choose what they need, not selling anything.”
No-Cost Guidance
What’s the cost for a one-on-one review? Nothing. All time spent with a licensed insurance agent with HealthMarkets doesn’t cost a thing, whether you contact them during open enrollment or you have questions that need to be answered once your plan has been selected.
HealthMarkets Insurance Agency is located 5925 Ridge Road, Suite 2, in Parma. A second office is in North Royalton, at 5740 Royalwood. To get started with your free review, call one of the agents listed in the box accompanying this story.
Direct Dial Your Licensed Insurance Agent
George Halle, 440-567-2271
Marisella Rios-Weible, 440-915-5551
Laura Weible, 440-263-3070
Chris Weible, 440-503-5248
HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Agents may be compensated based on enrollment. No obligation to enroll. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE 24 hours a day/7 days a week to get information on all of your options. 49018-HM-1022