Do My Spouse And I Need To Be On The Same Medicare Plan?
In short, no.Medicare beneficiaries are free to select the plan(s) of their choosing.
When working with a licensed insurance agent, information is collected for the individual with respect to their unique health insurance needs, then options are presented that include plans to best meet those specific needs.
For example, a Medicare Supplement plan with a stand-alone prescription drug plan (PDP) may be a solid choice for someone who needs to fill gaps in their original Medicare coverage. Alternately, a Medicare Advantage plan that includes prescription drug coverage may be a smart choice.
Education is key when it comes to reviewing Medicare options and meeting with an agent knowledgeable about Medicare plan options, plus having the ability to understand individual needs and the technology to present viable options, will be time well spent.
From personal experience, there have been many times we find that one individual has a better fit with a plan that differs from their spouse. At Frost-Beck Insurance Agency, we take the time to look at all options and educate our clients on the differences between plans and costs and answer all questions to make sure each client will be happy with the plans they choose.
For more information or for help with choosing what Medicare coverage is best for you, contact Frost-Beck Insurance Agency in Archbold or Whitehouse, Ohio today. Call Frost-Beck Insurance Agency at 419-446-2777, email us at frost@frostins.com, or click here to submit your request today.
THE POWER OF INDEPENDENCE WORKING FOR YOU
Economics 101 teaches students that competition causes companies to lower prices. That’s good news when you’re buying any product, including insurance. Unfortunately, many agencies today are captive agencies, and/or are simply retail order takers. A captive agency can offer policies from only one insurance carrier, and order takers simply match your current coverage and hope that they have a lower cost without evaluating your actual needs. While more comprehensive coverage may be needed or lower rates can be found with another carrier, if you’re with a captive or order taker, other options simply aren’t made available to you.
Our independent agency will search through our network of insurance carriers. This means when better coverage or lower rates are available, you reap the benefits. Frost-Beck Insurance Agency puts the power of independence to work for you. We have access to dozens of top-rated, financially strong and respected insurance carriers, ensuring you get the coverage that’s best for you at the fairest possible rate. You get more for less with the power of independence at Frost-Beck Insurance Agency!
