West Virginia Medicare Agents
Songer Benefits
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Red Oak Insurance
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Red Oak Insurance is an independent insurance agency that specializes in the Senior Insurance market. We are dedicated to providing personalized plans to suit your needs and your budget.
Gage Agency
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Our goal is simple: to help you find the health plan that is most suitable for your needs and get you that coverage at the lowest possible cost. We show you ALL of your options and help you figure out which one will help you the most.
Featured Agent
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How to Find a West Virginia Medicare Agent: Five Questions to Ask
When it comes to Medicare coverage, you have many options and it’s important to understand them all. Choosing the wrong coverage can result in unexpected surprises and costs. A local, licensed Medicare agent can educate you on your options and help you make the right decision based on your individual healthcare needs.
Here are five questions to ask to help you find the right agent:
1. How much experience do you have selling Medicare?
Experience is an important factor to consider when choosing a Medicare agent. Because Medicare’s rules and regulations change every year and vary by state, you want to work with an agent who specializes in Medicare sales. An experienced agent is better equipped to help you navigate Medicare’s complexities to find the coverage that is right for you.
2. What type of Medicare plans do you sell?
Some agents sell both Medicare Advantage plans and Medicare Supplement plans, while some sell just one or the other. An agent who sells both is better situated to help a wide range of customers. Also ask which insurance carriers they represent. Do they offer plans from both local and national carriers? The more options you have the more likely you are to find a plan that best suits your needs.
3. Will your recommendations be specific to my needs?
The agent should not make any recommendations until they have done a thorough needs assessment. You should come prepared to discuss specific information such as which doctors you see, which medications you take, if you are being treated for any chronic health conditions, how often you travel out of the area, and what you can afford to pay for your plan. This information is necessary for finding the right coverage that will meet your healthcare needs and your budget.
4. How much will my coverage cost?
Out of pocket expenses can vary greatly depending on the type of plan you choose and the insurance carrier. The agent will help you compare all aspects of your coverage options, including the cost. This includes the monthly premium, and other out of pocket costs such as copays, coinsurances, and deductibles.
5. What customer service do you provide?
The agent should not only help you enroll in the plan of your choice, but they should also be available throughout the year to assist with any problems or concerns you may have with your coverage. They can help you review your coverage each year to ensure it is still the best fit for you. If your circumstances have changed, they can help you find and enroll in another plan.
When you work with a local, licensed Medicare agent you have a trusted advisor by your side to help you make the right Medicare decisions now and in the future.
Note: Silver&Smart does not endorse any specific Medicare agents and we do not sell any Medicare plans. We simply provide listings of Medicare agents available in your state. Many of these agents offer multiple plans. We have not vetted the agents who have purchased listings on this website, so please interview them, ask questions, and select an agent that best meets your needs. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.