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What Are Captive Medicare Agents? And Why you Should Avoid Them

As you go through the process of learning about Medicare and choosing a Medicare plan, there are different people you can talk to about your options.

It is an excellent idea to work with a Medicare agent who represents several different Medicare Supplement carriers. This agent will be able to focus on what is right for you.

A type of Medicare agent that you want to avoid is called a "Captive Agent". A Captive Agent only represents one insurance carrier and usually can only offer one plan. They are almost always directly employed by an insurance company.

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Who Is Managing Your Health?

There is only one acceptable answer to this question and that answer is "you."

However, if you make the wrong decision about how to receive your Medicare, your health could be managed by an insurance company's budget analyst often more concerned about the profits of his employer than your best health outcome.

When you first go on Medicare - usually at age 65 but often later if you are still working - you can choose to receive your Medicare benefits through regular Medicare combined with a Medicare Supplement and a Medicare Part D drug plan.

Or, you can instead assign your Medicare benefits to a private, for-profit, restricted-choice Medicare Advantage plan such as Humana Gold Plus or Kaiser Permanente.

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Real Medicare Versus Private Medicare

The question I receive more than any other when someone is turning 65 and becoming eligible for Medicare is "What do I do about Medicare if I am still working and have coverage through my employer?

There are several different issues to consider when answering this question.

The first thing to know is when you turn 65 and are still working, you have a choice between staying on your employer's coverage or leaving that coverage and going on full Medicare.

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What Does “Covered” Mean?

September is the month in which I go through training for the upcoming Medicare Annual Enrollment Period and 2019 calendar year.

It usually takes around a week to take the courses and pass the tests required to verify that I know what I need to know to help people who are going on Medicare understand how Medicare works and what their options are with Medicare.

This year one phrase in the training stood out because it discussed a very deceptive part of Medicare Advantage plans.

As you probably know if you have read any of my writings, I strongly believe Medicare Advantage plans are one of the most deceptive and harmful ideas the government has ever allowed to be perpetrated on the American people.

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