The big decision has been made; enrollment is complete; now let’s set you up for smooth sailing!

As a client, or future client, you will have me as an advocate in your back pocket.  This can make the overwhelming world of health insurance less daunting.  I am no miracle worker, but with a little knowledge and a few of the right resources, we will greatly improve your experience!

Through the plan selection and enrollment process, we do a lot of education and follow that up with year round support.  I ask all my client to reach out to me first before calling their insurance company. Most of the time, the solution or answer can be simply resolved with the resources we have available.

How we help with the top 5 customer concerns:

New doctor or drug. 

We just did our due diligence to find a plan that fits your needs and now you have to see a new specialist or your doctor prescribes a new medication.

What to do:  Clients can message my office with the new doctor name or drug name and we will look it up for you!  We strive to answer all messages by the end of the day, if you need an answer immediately, this is information that can be found on your member app or member portal.

Denial. 

It might surprise you that this isn’t number one!  Claim denials are one of the lowest customer care calls I receive, but they happen and can be the most frustrating!

What to do:  First, make sure your provider is using the correct insurance information.  Once that has been confirmed, clients can message my office with details and we will get to work on it for you.

Copay and out-of-pocket expense surprise. 

Just when you thought you had your insurance figured out, you get a bill that doesn’t make sense.

What to do:  Review your claim and your Evidence of Coverage to know what charges were run through your insurance.  We help our clients find and understand this information.

Premium payments. 

This is one item that after enrollment, you must address with your insurance company.  Sometimes checking account deductions do not get processed correctly or timely when we establish them during enrollment. 

What to do:  Call the member services number on the back of your card or use your member portal to manage payments.  Medicare premium payments must be handled through Medicare.gov or by calling 1-800-Medicare.  We can assist clients in creating these accounts to gain access and where to set up these payments.

Coverage. 

You need to have a new procedure and are concerned about your coverage and cost.

What to do:  I supply everyone with a digital or paper copy of their Summary of Benefits.  This is also what I like to call your "menu of services".  This is where you will find your out-of pocket-costs for care.  We can help you know what to expect by reviewing these together.

Bonus: You are completely confused!

Even though we do as much as we can to ensure confidence in your insurance selection, it can still be confusing!  Especially if you are new to Medicare or your insurance plan.  We can always go over the details again!  Or maybe I wasn't the agent who enrolled you but you are desperate for help, we adopt future clients and do the best we can until the next enrollment period.

If you are looking for an agent that serves you like family, please reach out to me through the contact form or give us a call at 405.987.4380.