Day after day on TV channels that are watched by many senior citizens we find the old quarterback Joe Namath pitching the so called “Medicare” help line. The “pitch” implies that beneficiaries can obtain all kinds of FREE benefits and to call for all the FREE information.. Now, in his day he was a great quarterback but this presentation calls for a 15 yard penalty for misleading information. First, this TV ad has nothing to do with a Medicare sponsored presentation. Furthermore, nothing is FREE. There are good benefits, many with $0 premium for plans, however we support the Medicare system with a monthly payment of $144.60 minimum currently, paid through Social Security for part B coverage. When you call the number Joe calls the signal for, you will be connected to a national “call center” who will then sell your lead to a broker. That individual may not be familiar with the resources in your area. Some great local lines may not be available to them either.

So, you should be dealing with a LOCAL independent licensed broker (like LJR Insurance Solutions) because we know the physians, specialists, hospitals, and all the ins and outs of all the plans we are certified with. As fiduciaries, our job is to do the very best for you and we suggest the plans that fit your need for not a penny extra ever.

And who do you call when you have a question or a problem? Broadway Joe? An agent who you really don’t know? If they put you in a plan that your doctor doesn’t take, what do you do then…punt?

My opinion is that they are doing a major disservice to Medicare beneficiaries by this type of advertising. We really are there to help, so score a touchdown every time by using a qualified local agency!

  • Lou Reinitz LJR Insurance Solutions LLC



When it comes to business, including health insurance, nothing…absolutely nothing is FREE. I get so tired of hearing the TV pitchmen shouting FREE! New Medicare insurance now available with FREE DENTAL! FREE HEARING! FREE MEALS! FREE! FREE! AND MORE FREE! Today, I got a cold call offering me FREE benefits! I thought, this is not right. That person just might not know what coverage I need, or know the best doctors in the area, or know much of nothing to HELP me, not SELL me. Why is it they can shout FREE on TV when Medicare tells me this is not an acceptable practice?

Please believe me while today’s Medicare Advantage policies come with lots of extra benefits but THEY ARE NOT FREE. Most of us are paying about $145 a month or more through Social Security to support the Medicare system, so none of this is just free. I represent some fine companies, but each one is unique. It is my job to find the best coverage to fit my client’s needs. That is what I do, and I want to continue to do it the right way. I spoke to one of my clients today who recently received SIX COLD CALLS offering her new free benefits if she would sign up. She told me she couldn’t even speak a word as they rambled on about all the benefits she could have if she just agreed to their proposals.. I am sure some of you have had the same or similar experiences that leave a bad taste in your mouth when it comes to health insurance. This really disturbs me. I work with a fine group of professional agents who know the right way to assist a beneficiary. I AM GLAD TO BE ONE OF THAT GROUP. THERE IS NO FREE LUNCH.

  • Lou Reinitz LJR Insurance Solutions ljrinsurance.com