Navigating Medicare can be a daunting task, given its complexity and the myriad of options available. For many individuals approaching retirement age, the choice of how to manage their Medicare coverage can have significant implications for their healthcare and finances. This is where an independent insurance agent can play a crucial role.

Michelle Moody is your licensed independent agent here in Glennville. A 1996 graduate of Tattnall County High School, Michelle is a Registered Nurse, having worked nearly 20 years in a hospital setting in California before moving back home.  Over the past several months, Michelle has completed training, passed exams, and earned her certifications required to help clients navigate their Medicare options. She is now meeting with folks right here in Tattnall County and the surrounding area.

After working as a nurse, she understands how frustrating and complicated health insurance can be. Her uncle Bryan Cobb has been an insurance agent for over 40 years, and the two of them were talking about the health insurance business and Byran shared how much his customers appreciate his direct one-on-one support and expertise. Bryan and Michelle travel all over south Georgia to meet with people in their homes, on their schedule. You can’t get that level of service from an agency over the phone. It’s sometimes difficult to even get a real person on the phone at all.
The Medicare Annual Enrollment period is currently underway through December 7, 2024. Here are some key advantages of working with an independent agent when it comes to Medicare.

1. Personalized Guidance
Independent insurance agents are not tied to a single insurance company. This independence allows them to offer personalized guidance tailored to your unique healthcare needs and financial situation. They can help assess your specific requirements, such as chronic health conditions or preferred doctors, and recommend plans that fit best.

2. Access to a Wide Range of Options
One of the most significant benefits of using an independent agent is access to a broader array of insurance products. Unlike captive agents who represent only one company, independent agents can compare multiple Medicare Advantage and Medigap plans. This diversity helps ensure that clients find the best coverage at the most competitive prices.

3. Expert Knowledge of Medicare
Independent agents specialize in Medicare and often stay up-to-date with the latest changes in legislation, plan offerings, and benefits. Their expertise allows them to explain complex terms and conditions, ensuring that clients fully understand their options and make informed decisions.

4. Support During Enrollment
The Medicare enrollment period can be overwhelming. Independent agents can guide clients through the enrollment process, helping them complete paperwork accurately and ensuring that they meet deadlines. Their support can help avoid costly mistakes that could affect coverage and benefits.

5. Ongoing Assistance and Reviews
Choosing a Medicare plan is not a one-time decision. Healthcare needs can change over time, and so can Medicare plans. Independent agents often provide ongoing support, helping clients review their coverage annually. They can assist in making necessary adjustments to ensure that the chosen plan continues to meet the client’s evolving needs.

6. No Additional Cost to Clients
Many people assume that hiring an independent insurance agent will incur extra costs, but this is typically not the case. Independent agents are usually compensated by the insurance companies they represent, meaning their services come at no additional charge to clients. This arrangement allows clients to benefit from expert guidance without worrying about added expenses.

7. Advocacy and Support
In the event of a claim or coverage issue, independent agents act as advocates for their clients. They can help navigate any problems that arise with insurance companies, ensuring that clients receive the benefits they are entitled to. This support can be invaluable in reducing stress during challenging times.

Scheduling your appointment with Michelle to discuss your Medicare options offers numerous advantages, from personalized guidance and access to various plans to ongoing support and advocacy. Her knowledge can empower you to make informed decisions about your healthcare coverage, ensuring you find the best solutions for your unique needs.  Those turning 65, or already enrolled in a plan, can meet with Michelle to help answer questions and receive personalized assistance. Give her a call, or text her at 912-347-5012 to get started.