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If you have recently reached the age when you can apply for Medicare coverage, you may be busy gathering information before open enrollment begins. While looking through the information and reviewing the various plans, you may be growing concerned about how much you will have to pay out of pocket for various health expenses.
If so, you should speak with an agent who can help guide you through the process as well as answer any questions you have. You can start the conversation by asking the questions discussed below.
1. What Part of Each Type of Expense Will You Need to Pay under Your New Insurance Coverage?
One question you can ask the insurance agent when trying to sort through information about your new Medicare coverage has to do with how much you will have to pay for each type of expense. Especially if you see several doctors and are on various medications, you need to know what you will be expected to pay.
When speaking with the agent, request that they give you an itemized list of what your out-of-pocket expenses will be for different types of doctors, your medication types, and medical equipment. Doing so will let you know what to expect when it comes time to receive medical care or get your prescriptions filled.
2. Can the Agent Recommend Any Programs to Help Reduce Your Out-of-Pocket Costs Based on Your Income?
Once you know what you will be expected to pay, you can compare the amounts with what you can afford on your income. Then, you can ask the insurance agent if there are any programs available that can help you cover or reduce these costs.
Especially if you are on a fixed income, you may be able to apply for programs or supplemental insurance. The agent can help you sort through your options and help you apply for any you may qualify for.
When you are first signing up for Medicare coverage, you may be concerned about what you will need to pay under the insurance plan you select. When speaking with an agent, ask them to itemize your percentage of the costs for the different types of expenses, such as doctor's appointments, treatments, tests, and medications. You can also ask them if they can help direct you to any programs that can help reduce these costs based on your fixed income. For answers to other questions you may have, contact an agent such as Thomas Marchant, Insurance Agent to set up an appointment.Share