Baby Boomers are quickly turning 65 years old at a pace of over 10,000 people per day. This is creating a huge need for qualified Medicare Insurance Agents to help individuals to sign up for a Medicare plan.
Depending on where you live will depend on what type of Medicare Insurance plan will work best for you.
Medicare Plans in the Long Beach & Los Angeles Area
Before you select the first Medicare health plan you find we highly recommend reaching out to one of our Medicare Insurance Agent that specializes in the Long Beach and Los Angeles County area.
We have a unique situation for our area were the plan options are much broader than even Orange County let alone another State.
For Instance if you are relatively healthy we could help you obtain a plan that can cover $109 per month of your Part B premium. We spent several months investigating all available plan options and have found some pretty amazing plans for the 2020 year. This plan may not be for everyone, but for many this is a great Medicare Plan choice.
Should I pick an HMO or a PPO Medicare Plan
The topic of an HMO verses a PPO Medicare Plan is one most people just don’t understand completely. Many people believe that a PPO is the best choice as it gives you the flexability to going anywhere.
While this may be close to true it is important to remember the following:
- You will typically pay a higher monthly premium for a PPO plan
- If you visit a non network Doctor your cost sharing could be substantially increased.
- Not all Doctors accept Medicare even with a PPO plan
We recommend to our clients that we first try and find a Medicare Advantage HMO plan that will include most if not all of their must have Doctors and Hospitals. As long as we can cover most if not all of their Doctors than they will typically pay substantially less than a PPO plan.
Medicare Advantage Plans require you to sign up for Both Medicare Part A & Part B
Once you have received your Medicare card showing that you have successfully enrolled into both Medicare Parts you then have the option of selecting a Medigap plan or Medicare Advantage plan.
For the Long Beach and Los Angeles California area most people opt to pick a Medicare Advantage plan as they feel these best serve them and their budget.
For those who might travel a lot and need the freedom and flexibility to see any Doctor who accepts Medicare a Medicare Supplement or Medigap plan might be your best option.