As you research to learn more about your Medicare health insurance options, you’ll see insurance providers and brokers asking you to “Call Now” or “Fill Out a Form” for a consultation or more information.
Naturally, this may lead you to ask questions, like what will happen exactly when I call or hit the enter button? Who will I be speaking with on the other end of the line? What happens during a consultation? Will I still need to fill out paperwork if I apply after the phone call?
We at Ensurem don’t want you to feel like you’re dialing into the void. That’s why we’ve written this blog to go over what you can expect when calling us for a consultation. We’ll cover who you’ll be speaking with during your consultation, what topics will be covered during the call and what makes Ensurem different from the other Medicare insurance providers out there.
Who Will I Talk To During The Consultation?
When you consult with Ensurem, you’ll speak with one of our licensed insurance agents. Our agents are contracted to sell Medicare insurance plans in your area from some of the most well-known insurance carriers.
They can help you with Medicare Supplement Insurance, Medicare Advantage and Medicare Part D (prescription drug plans). They’re also contracted to sell other insurance plans to help complement your Medicare coverage, like vision, dental, hospital indemnity and final expense insurance.
So, working with an Ensurem agent is like a one-stop-shop for all your insurance needs. Your agent will ask you a mix of questions to learn more about your health care requirements, budget and lifestyle. That way, they can better recommend the selection of plans that works best for you.
Do I Need To Have Any Paperwork Ready Before Calling?
No, but if you have a Medicare Card, you should have it handy.
If you’re new to Medicare or want to switch plans, you don’t need to have any paperwork ready. All you’ll need to do is provide your zip code to your Ensurem agent. That way, they can look up the plans available in your area.
For those new to Medicare and without a Medicare Card, your Ensurem agent can help you find your Medicare number, along with your effective dates for both Medicare Part A and Part B.
If you have not enrolled in Medicare, your agent can provide directions on registering and signing up for Medicare Part B. Please note, you’re usually automatically enrolled in Medicare Part A when you turn 65.i
What Topics Will We Cover During My Consultation?
Plan Availability & Enrollment Eligibility
During the first part of the call, your agent will verify which plans are available in your area using your zip code. Once the agent confirms there are plans available, they’ll see if you qualify for an election (or enrollment) period.
These enrollment periods are windows of time when you can add, drop or change Medicare plans, and they include your:
- Initial Enrollment Period – The first time you can enroll in a Medicare plan leading up to your 65th
- Medicare’s Annual Open Enrollment Period – Open to all Medicare enrollees from Oct. 15 to Dec. 7.
- Medicare Advantage Open Enrollment – Open to those wishing to make a change to their current Medicare Advantage plan from Jan. 1 to March 31.
- Special Election Periods – When you can make changes to your Medicare plan outside the regular enrollment periods due to certain life events.
Understanding when you qualify to make changes to your Medicare coverage is an essential part of managing your health care. Your Ensurem agent can help you navigate these enrollment periods. We also provide many online resources to help you learn more, like this one that explains when you can change Medicare Advantage plans which includes more information on many of the enrollment periods listed above.
Needs Analysis & Review
Once your agent verifies your enrollment eligibility, they’ll ask you questions to better understand what kind of insurance plan or combination of plans is best for your lifestyle. For example:
- How much do you want to pay in monthly premiums?
- Do you have a favorite doctor or specialist?
- Are there any prescription drugs you’re required to take?
- Do you travel?
Your Ensurem agent can also answer any questions you may have about your health care coverage, such as “why you need a dental insurance plan with Medicare” or “which Medicare Supplement Insurance Plans pay for my C-PAP machine?”
Plan Recommendation & Enrollment
At this point, your agent can start recommending plans that match your needs while breaking down your plan’s summary of benefits, copays and deductibles.
And finally, your agent will enroll you in your desired Medicare plan(s) from your chosen insurance carrier(s), which will take about 10 to 15 minutes.
How Long Will The Call Last?
Calls can last for about 40 to 50 minutes. If something comes up where you must end the call early, such as needing time to think it over or needing to run an errand, you can call back later to finish the application.
If I Need to Call Back at Another Time, Will I Get the Same Agent?
Yes. You can reconnect with the agent you spoke with during your first call if you didn’t finish your application.
You should receive your agent’s callback number and extension during your consultation. You can also always call us at our main number (844-847-8400) and press one to connect with your agent. If your agent is unavailable, feel free to leave a message. In most cases, they’ll respond within one business day.
What Can I Expect After My Call?
Once you’ve finished your application phone call, you’re enrolled in a new Medicare insurance plan. In the next 7 to 10 days, you’ll receive your new insurance card from your chosen carrier, a welcome letter and a welcome package including a physical copy of your summary of benefits.
You can also expect a call from an Ensurem’s member services team to make sure you received your welcome package and to answer any additional questions you may have.
After receiving your new private insurance card, keep your Medicare Card in a safe place. If you choose to enroll in a Medicare Supplement Insurance Plan, you’ll use your Medicare Card and your Medicare Supplement insurance card when going to the doctor. If you chose to enroll in a Medicare Advantage plan, then you’ll use your new private insurance card from now on to cover your health care needs.
Will My Private Information Be Protected?
At Ensurem, we know how important your personal information is to you, which is why we’ll go above and beyond to keep your info protected.
We will only contact you for a Medicare consultation if you express interest in learning more about your options by calling our phone number or by filling out a form online.
Whether we call you, or you call us, when you speak with Ensurem, your conversation will be held on a secure phone line and any personal information, such as credit card numbers and social security numbers, will not be saved on our servers. That information will go directly to the carrier you enrolled with during the call.
Ensurem also strives to meet all compliance regulations per the Health Insurance Portability and Accountability Act (HIPPA) and the Centers for Medicare & Medicaid Services (CMS).
What Makes Consulting with Ensurem Different?
We at Ensurem know you have several options when shopping for a Medicare insurance plan, but what makes us different is our staff of experienced, licensed agents and the wide variety of plans we offer.
One of the many ways you can sign up is to go to Medicare’s website and enroll online by yourself. You can complete all the steps and hope to get everything right, but you could be faced with some uncertainties. Did you verify that your favorite doctor or specialist accepts your coverage? Does your plan cover your necessary medications?
You can do all the research needed to answer these questions and compare plans alone, or an Ensurem agent can do it for you. Your agent is your guide, your advocate, whose goal is to help you find the Medicare plan that fits your budget and lifestyle.
You could also choose to contact a big-name insurance carrier directly. Keep in mind though, they will only show you the plans they offer, which may or may not be the best fit for you.
When you consult with Ensurem, you get access to a wide variety of quality plans. As an insurance broker, we only offer products from the nation’s top insurance carriers with an A.M. Best Rating of B++ or higher and/or, where applicable, a CMS Star Rating of 4/5 or higher. Your agent will be able to compare plans across all these carriers to make personalized recommendations based on your needs. That way, you will not be stuck with the wrong plan until the next open enrollment period.
Discover the Ensurem difference by calling 844-847-3800 | TTY 711 and speaking with one of our licensed insurance agents.
i “Part A & Part B Sign Up Periods,” Medicare.gov, https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/part-a-part-b-sign-up-periods