On Home Care This Week: We had Genine Chambers and LA Independent Insurance Agent. Genine shared with us about the considerations that people face when choosing a medicare insurance policy. As an independent agent, she said that her job, is to help them to narrow down choices. Many people have a favorite doctor it might be a PCP (primary care physician) or a specialist like their cardiologist. She will help them find a plan that their doctor is in the network. Or she can get them a plan that is supplemental to an existing plan. She did tell us that if you don’t have any allegiances to a specific doctor you have more options.
Genine has what she calls Medicare 101 for her clients. Her goal is to help educate her client on what they need to know. For instance, did you know that you can sign up as early as 3 months prior to your 65th birthday for parts A & D?
You need to have an agent in your corner. The right agent that is knowledgeable on things like, how to help you choose the right prescription plan. When to choose the right prescription plan, you can be penalized for getting a prescription plan after you need one and not before.
A good agent like Genine knows how to get through the pit falls and the backdoors, they are knowledgeable in which plans are better for you, and they know how not to have to sit on hold for hours. That right there makes them worth their weight in gold.
Don’t wait till you need insurance to put your policy in place. You can contact Genine Chambers at 818-458-4377 She told us that she works weekends, nights and in her industry, there is no 9-5 so you know she will be there for you when you need her.