We turn on the TV and throughout the day we are bombarded by Medicare ads. “Call today for the best deal on Medicare”, an old football player drones on and on with a combination of half-truths and head pounding oversell. But what is the truth? Can you really get a better deal by calling for “free information“? The facts are when you call you will reach a national marketing center who will then sell your “lead” to an available broker who may not be familiar with the benefits and resources you need. His job is to sell you something. A local agent’s task is to consult with you to discover the plans that best fill your needs. Yes, those benefits that guy is shouting about (free vision, free dental, your part B returned, free chiro, free this, free that, free the kitchen sink) do exist but not all in ONE PLAN. What is falsely presented is a combination of the best benefits from ALL the Medicare plans rolled into one non-existent plan, This is a misrepresentation as some of these plans might not even be available in your area. So, can they save you money on a single plan? NO, because each plan is approved by Medicare and would be the same cost in premium and copays no matter who the agent is. CONCLUSION: Don’t call Joe, CALL LOU. You will get the services of an experienced and knowledgeable local broker and it will never cost you an extra penny for top quality service with no pressure. I act as a fiduciary to present the best choices to you and let you decide. No bull, no baloney. WE MAKE MEDICARE STRESS FREE.
The idea of Medicare for All continues to be floated out to Americans today. While we continue to fight the COVID19 virus and we haven’t seen this in recent headlines you can rest assured it will be proposed again. It is still a bad idea for healthcare and here are some of the reasons: If we eliminate private healthcare, or damage it rather than working on improving the current system that has covered over 180 million of us we could experience an estimated 32 trillion in higher taxes in the decade to come, while seeing a 100% increase in our already soaring national debt. Nothing is free and to pay for Medicare for all could produce large increases in payroll taxes, estimated at close to 5%. A government run system could force thousands off coverage they would rather have, estimated at 130,000 beneficiaries in the first year alone. Dealing with government agencies can be difficult and slow response times to medical needs with longer waiting periods for needed procedures. And citizens residing in rural areas who are already holding the short end of the stick could find themselves at greater risk of seeing even more hospital closures.
Medicare for All is still a bad idea, and not the answer to improving our healthcare.
Throughout the day they assault your senses, ad nauseum. Call today to get all the wonderful Medicare benefits you are missing, and get money back every month too! Dental! Vision! free meals! free! free! Medicare ads on TV are relentless. But do they deliver what they promise. Before you dive in and start calling what is a national call center read the small print that appears on your screen. What? YOU SAY YOU CAN’T? BECAUSE IT JUST FLASHES BY TOO QUICKLY TO READ?
Well….here it is. I have capitalized the wording that is really important to make it easier to understand that in many cases this could be just another ” bait and switch ” presentation:
….IS NOT CONNECTED WITH OR ENDORSED BY ANY GOVERNMENT AGENCY OR THE FEDERAL MEDICARE PROGRAM. Members can enroll in a plan ONLY IF THEY MEET CERTAIN CRITERIA. Free eyeglasses, meals, Hearing aids HAVE LIMITATIONS. COPAYMENTS AND RESTRICTIONS MAY APPLY. Free Transportation LIMITATIONS ON MILAGE AND NUMBER OF TRIPS. Requires coordination with the carrier for approval…..PLANS NOT AVAILABLE IN ALL AREAS…..BENEFITS SUBJECT TO LIMITATIONS…THIS IS NOT A COMPLETE LISTING OF PLANS AVAILABLE IN YOUR SERVICE AREA….
You are much better off working with a local broker who has your best interest in mind, who knows the local marketplace. Also, an experienced broker like LJR Insurance Solutions will make sure your doctor takes the plan you are interested in, without pressure, and all the B.S. you might run into when looking at all the “free” stuff online that is subject to so many limitations and restrictions. Beware! There are Medicare beneficiaries who have called who find themselves enrolled in a plan that they didn’t even know they were being enrolled in.
- Lou Reinitz LJR Insurance Solutions “Medicare made stress free“
We really don’t know who said it. Was it “Honest Abe” or P.T. Barnum, but it is as true today as it ever was:
“YOU CAN FOOL ALL THE PEOPLE SOME OF THE TIME, AND SOME OF THE PEOPLE ALL THE TIME, BUT YOU CANNOT FOOL ALL THE PEOPLE ALL THE TIME!“
Proverbs 19:1 – Better the poor whose walk is blameless than a fool whose lips are perverse
Words to live by.
- Lou Reinitz LJR Insurance Solutions LLC
It seems like everyday I am getting suspicious robocalls about COVID-19 cures and products. Have you gotten any offering free face masks if you give them your Medicare number? DON’T DO IT! There are so many scammers out there trying to take advantage of seniors during this difficult time. Perhaps you have seen an online post offering FREE virus test kits or cures. Listen- you can prevent Medicare fraud by never giving your protected health or personal information to someone you don’t know. If they are offering something for nothing you can bet it’s a scam! If you suspect fraud you can report it to 1-800-MEDICARE.
-Lou Reinitz Certified Agent LJR Insurance Solutions LLC
For Medicare beneficiaries the news is good, especially for Medicare Advantage enrollees. Carriers have loaded up their benefits for the new annual enrollment period that runs from October 15th through December 7th, 2019. Intense competition among carriers will mean more and better benefits for seniors. We are not allowed to reveal benefits until October 1st per CMS rules. we invite you to call Lou today and make an appointment (no charge or obligation) and you will see why he is so excited about the changes that will take effect January 1st, 2020.
CALL LOU AT 760 699-1359 TO ARRANGE FOR A CONSULTATION AND YOU WILL SEE WHY HE IS SO EXCITED!
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