Kansas Medicare Agents

 

Kansas Medicare Advisors

KC Medicare Helper

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We strive to meet your every need and go above and beyond to take care of you. We design plans with a focus on your needs, and proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.

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KC Medicare Helper

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Two key reasons to choose us over others are our commitment to customer service and our approach of helping you fit insurance coverage to your needs and not just buy a policy. We’re proud to serve families and businesses of all sizes for multiple generations.

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FD Insurance Agency

Featured Agent #4

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Our team at FD Insurance has over two decades of experience and is fully dedicated to finding you affordable insurance solutions whether you are an individual, family, small, or large group! Here at FD Insurance, you are more than a client, you are part of a family!

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How to Find a Kansas Medicare Agent: Five Questions to Ask

There are many benefits to working with a local, licensed Medicare agent. Whether you are already enrolled in a Medicare plan or are enrolling for the first time, an agent can help you consider all of your different coverage options to find the plan that is right for your needs.

Here are five questions to consider asking an agent to determine if they are the right agent for you:

1. Which insurance carriers and types of plans do you represent?

Ask the agent if they sell both Medicare Advantage plans and Medicare Supplement plans. Do they also offer ancillary products such as stand-alone Part D drug plans, vision, dental and hearing coverage? Ask which local and national insurance carriers they represent. The more carriers and plans they offer the more likely you are to find a plan that suits your needs.

2. How much experience do you have?

An experienced agent will have knowledge of Medicare’s many rules and regulations and will understand all aspects of Medicare coverage in your state. They have worked with a wide variety of people and circumstances. This means they are prepared to provide the individualized guidance you need to help you find the Medicare plan that is right for you.

3. How do I know what kind of coverage is right for me?

You may be uncertain if Medicare Advantage or Original Medicare is right for you. This will depend on multiple factors. When you meet with an agent, they will do a thorough review of your circumstances, including which doctors you see, your prescription medications, whether you have any chronic health conditions, how often you travel, and what type of coverage you can afford. This gives them the information they need to recommend specific plans. They will educate you on your options and help you make an informed decision.

4. Will I know what all my out of pocket costs will be before I enroll in a plan?

Your agent will be able to help you compare the out of pockets costs between the different types of coverage. They can help you find coverage that fits your budget. If you find you can’t afford your coverage, ask your agent if they can help you determine if you qualify for state or federal programs that help pay some of these expenses.

5. What if I change my mind mid-year? Can I change my plan?

In most cases you cannot switch plans mid-year unless your circumstances have changed, and you qualify for a special enrollment period. In this case, your agent can help you find and enroll in a new plan. When you work with an experienced agent, they can help you avoid the mistake of picking the wrong plan. They will ensure you have chosen a plan that aligns with your needs.

A local licensed Medicare agent is a valuable resource who can help you navigate the often complex and confusing world of Medicare.