Tired of the Commercials

Medicare enrollment is about to end for this year. In two days, this should alleviate the constant pounding to buy insurance plans. Some might be confused by the constant barrage of supposedly sweet deals, and the commercials reflect the attempt to win you over with "free" stuff. Regardless, there are few things some don't know. 

Those commercials promising special deals come with some spare baggage. First, the less you have to pay, the more you're restricted from choosing your health professionals. The policies that actually give you money through health credit cards demand you either go to the doctors they can coerce into signing a contract with the insurance carrier, or they don't pay anything. In larger population areas, this allows you to see the better doctors, but that usually means long waiting times for visits. In rural areas, long drives might be necessary to just go for a checkup, and in some situations, a large part of your state the insurance companies might not even include your area. 

The most important thing to remember is that some of the commercials are not actually by the insurance companies. They are commercials where insurance agents pay a fee to a company, which transfers the caller to them for a possible new client. Insurance agents receive a fee for every person they get to sign on a policy, and regardless of your state, are licensed and must follow insurance laws. The laws of that state dictate what they can offer, and the slick commercials are basically throwing you into a pool, which is filled with those agents willing to take a chance on getting enough policies to pay for their fee to be included. You meet your agent by a phone call, and probably have absolutely no information on their reliability, or whether they will be honest about the policy you're about to buy,

If I had to recommend what people should do when they have to deal with Medicare, I would say read everything you can about the system, find a good insurance agent to represent you, and if you can afford it, go with a supplemental policy called a Medigap policy. Those pay whatever Medicare doesn't pay, and allow you to see any doctor you want.