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 Posted: Wed Sep 01, 2010 9:18 pm Post subject: I live in San Francisco and need to find a consultant to wor |
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| Need a consultant to advice me on Medicare vs. private health insurance decisions (I am 65 and still working and have private insurance) |
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moddone
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Joined: 01 Sep 2010
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| Posted: Thu Sep 02, 2010 4:24 am Post subject: |
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If nothing else, you probably need to enroll in Medicare Part B within 3 months of turning age 65 to avoid the lifetime premium penalty that will attach, unless you are covered by an employer-sponsored plan, in which case you will have an 8-month "Special Enrollment Period" to apply for Medicare Part B to avoid the penalty. Part A is premium free at age 65 if you are "fully insured" (40 credits earned prior to age 65).
Medicare Advantage plans offer a very attractive alternative to "Original" Medicare, substituting HMO or PPO coverage for Parts A and B and the need for a Medicare Supplement and Prescription Drug Plan.
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MaxHerr
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Joined: 29 Nov 2009
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Location: Pomona CA
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| Posted: Fri Sep 03, 2010 9:16 pm Post subject: situation |
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| Why don't you just go online and request a quote? Most agents that would sell you a product are well-versed in the alternatives. Pick an agent that you believe is telling you the truth. Don't leave off your phone number. If you tell them where you are honestly, I bet you will find people that really want to help and know what they are talking about. You don't have to do business, your just in data-gathering/learning mode. |
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tbasil4
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Joined: 03 Sep 2010
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| Posted: Mon Sep 06, 2010 12:35 pm Post subject: |
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| Quote: | | Why don't you just go online and request a quote? |
For what product? That's what the question is all about. The OP does not know what his/her options are, so where would they even begin to look?
| Quote: | | I bet you will find people that really want to help and know what they are talking about. You don't have to do business, your just in data-gathering/learning mode. |
I offered, and have not received a response.
_________________
CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
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MaxHerr
Moderator
Joined: 29 Nov 2009
Posts: 4629
Location: Pomona CA
210.19 Dollars($)
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