Advisors Provide Medicare Help for Seniors

How a Licensed Medicare Advisor can help

A Licensed Medicare Advisor is a trained professional who helps guide you through your Medicare options. Their goal is to make Medicare easier to understand so you can choose your next step with confidence. They can help you:

• Understand the basics of Medicare (Parts A, B, C, and D).
• Compare plan types like Original Medicare, Medicare Advantage, Medigap, and Prescription Drug plans.
• Answer questions about costs, coverage, and eligibility.
• Walk through enrollment timelines and requirements, and even help you fill out enrollment paperwork.

A Medicare plan that fits your life and budget

Everyone’s health needs and budgets are different. A Licensed Medicare Advisor can help you find a plan that fits by:

• Comparing plans side-by-side.
• Reviewing costs like premiums, deductibles, and copays.
• Considering coverage options that may be important to you.
• Reviewing your current doctors, hospitals, and prescriptions to ensure you stay covered.

Get help with Medicare enrollment

Choosing the right Medicare plan while meeting multiple deadlines is tricky and time-consuming. A Licensed Medicare Advisor offers Medicare enrollment assistance and will keep you on track by helping you with each step in the process.

If there’s a benefit change — or a change in your health status — your advisor can answer your questions and address your concerns. It’s best to speak with a Licensed Medicare Advisor six to nine months before your eligibility begins. This ensures you avoid any gaps in coverage or late-enrollment penalties.

Get help with Medicare paperwork

There’s a lot of paperwork to complete during enrollment. A Licensed Medicare Advisor can assist with these documents and make sure everything’s filled out correctly. That way, you’ll save time and have peace of mind knowing you’re submitting the right forms on time.

Advisors provide ongoing knowledge and support

Besides the in-depth understanding of Medicare that comes with experience, all insurance advisors selling Medicare products are required by the Centers for Medicare & Medicaid Services (CMS) to be trained and tested annually.

Highmark Licensed Medicare Advisors undergo additional ongoing training, which keeps them updated on all Medicare rules and regulations, as well as new plan details and policy changes. If your health needs change, our Licensed Medicare Advisors can suggest alternative coverage to keep you living your best life.

Working with a Highmark Licensed Medicare Advisor

When you work with a Highmark Advisor, you’ll get:

• Local expertise to help you understand providers and coverage in your community.
• Personalized support tailored to your health needs and budget.
• Clear, accurate guidance based on current Medicare information.
• One-on-one help so you can ask questions and feel confident in your decision.

What to expect

A conversation with a Licensed Medicare Advisor is simple and pressure-free.You can expect to:

• Talk through your current coverage and health needs.
• Ask questions about Medicare and your options.
• Review plans that may fit your situation.
• Get help understanding your next steps.

There’s no obligation to enroll — you’re simply getting guidance to help you make an informed decision about your Medicare options. You can meet with a Highmark Licensed Medicare Advisor on the phone or in person, when and where it’s convenient for you.