The million-dollar question: Should you choose to work with an independent Medicare insurance agent like IHS Insurance Group, or would you be better off working directly with an insurance company?
In this brief article, we’ll list the advantages that an independent agency can provide, compared to the alternative.
Independent Medicare Agent Benefit #1: Personalized Service When You Need
As we discuss in 3 Steps For Choosing Your 2020 Medigap Plan, all Medicare plans are standardized by the federal government to deliver the same level of coverage across the board. In other words, you will receive the same coverage from Company A as from Company B, assuming you choose the same plan.
Instead, the only two differences you’ll encounter are 1) the third-party provider you purchase a policy from, and 2) how much you’ll pay for your coverage.
Although independent Medicare insurance agents like IHS are appointed by different carriers to sell their coverage, we work for you, not the insurance company. We’re your representative, and with your (and your family’s) interests as the top priority, our primary goal is to make sure you have the coverage you need at a price you can afford.
Even after your Medicare coverage is in place, independent agents like IHS act as a central resource not only for your insurance policies (more soon) but also for customer service issues when you have questions or concerns.
IHS is a local agency, which means you can put a face to a voice you heard over the phone any time during regular business hours. We understand that sometimes, doing business face-to-face works best.
Furthermore, if a substantial price increase occurs in your Medicare coverage, you won’t be left hanging out to dry with an independent insurance agent, running around trying to replace coverage at a rate you can afford. If this occurs, we can help you quickly and efficiently replace coverage that better falls in line with your budget.
We can also act as an added reminder when you’re up for renewal, and even help review your coverage to ensure your plan still meets your needs and preferences.
Independent Medicare Agent Benefit #2: Knowledge & Expertise at Your Fingertips
The licensed, knowledgeable Medicare professionals at IHS Insurance Group are professionally trained to help you make the best decision when it’s time to choose coverage. After all, the opportunity only arrives once per year, so why not make the most informed decision possible?
Specifically, since we’re an independent agency and not restricted to just one carrier, the IHS staff can provide you with unique insight and options from a wide variety of carriers to meet your budget and coverage needs. We’re here to offer an unbiased approach to helping you research and compare Medicare coverage, and to make an informed decision.
From a geographic perspective, IHS’s local presence means that we can provide a great deal of insight and expertise into the structure, benefits, and costs of plans available in your area.
Independent Medicare Agent Benefit #3. Saving You (a Lot of) Time
Last, but certainly not least, as an independent Medicare agency, IHS Insurance Group can act as a one-stop resource for all of your insurance needs by bundling other policies like home, auto, flood, umbrella, business, and many more.
Related: Facts & Myths About Flood Insurance
In today’s world, we’re all pulled in a million different directions. And by placing all of your insurance in one place, you can take one more item off of your to-do list, while saving yourself time.
What’s more, unlike hiring a personal assistant, independent agencies don’t charge fees for our time-saving insurance services!
The Bottom Line About Choosing IHS as Your Independent Medicare Agent & Broker
When it comes to choosing between an independent Medicare insurance agent or broker, and purchasing coverage directly through a carrier, there’s no contest: the level of service and attention to detail provided by agencies clearly makes us the way to go.
At IHS Insurance Group, we care a great deal about making sure you have what you need to make the most informed Medicare coverage decisions possible, which is why we put so much time and effort into creating a database of articles like these.
IHS Insurance Group has also worked in the Medicare industry for more than a decade, we represent many Medicare providers in multiple states , and we have three convenient ways to reach us if you need a FREE Quote or have questions regarding Medicare or Medigap Coverage:
- If you prefer to talk to a licensed agent directly, please call (866) 480 5063.
- If you prefer to fill out a quick form and have an agent get back with you at your convenience, use the GET A FREE QUOTE.
- Lastly, for those that want an immediate quote, please click HERE.
Also, check out our Medicare FAQ’s here.