I don’t know if it is holidays or being close to the end of the year, but are you finding yourself looking back at 2021 and all the things you are thankful for? I hope so.
One thing I told Ruth that I am very thankful for is YOU! I appreciate you reading my column and calling me with your questions and comments. You may call because you have a basic question or unique question to you and just don’t want to talk to an 800 number. You want to know who you are going to talk with and, if you leave a phone number, that I will call you back. Just some basic/old fashion ways of doing business, right? Be careful who you share your personal information with. Peter called concerned because he talked with a telemarketer who said she had to have his Medicare number to give him any information or answer any questions. So, Peter provided his Medicare number – ouch! Much to Peter’s surprise he was enrolled in a plan he did not want and did not knowingly enroll in. Not only was Peter enrolled in a plan he did not want, but that enrollment cancelled his existing plan. Luckily, I was able to help Peter get disenrolled in his “new” plan and get his old plan back. Lesson learned – do not give your Medicare number to anyone you do not know. Debbie called and said her prescription plan was making her change pharmacies. You may use any pharmacy you want. Some pharmacies are preferred while others are standard. What’s the difference? The copays may be lower at a preferred pharmacy. Debbie said she loves her pharmacy; they go out of their way to help her and are always very informative about new prescriptions. They know her. When you have a good relationship with your pharmacy, continue using them. Do not feel you must change. The pharmacy you select is up to you. When Steve called to review his prescription plan, he also wanted to look at a Medicare Advantage plan. After talking about Medicare Advantage plans available to him, Steve liked his options. I told him there is a network of doctors you need to use to keep your costs down. Steve immediately said he was only interested if all his doctors accepted the plan. He was not going to change doctors even if it cost a little more. We verified that all his doctors accept the plan – a good fit. Be loyal to people you work with. This may be an old fashion way of doing business, but it is what you are comfortable with. Your health is very important, and you need to feel comfortable and confident with your doctors/providers and pharmacy. As 2021 comes to an end, think about all the people you are thankful for – even insurance agents! I look forward to talking with you. Call me at 501-868-6650 and say “Caroline, can we talk?”
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AuthorCaroline Beauchamp specializes in personalized life and health insurance solutions. Archives
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