My dad needs help applying for Medicare, and it’s all way over my head. I need someone to explain everything to me, step by step, in person. If we make an appointment at the SSA office, will they be able to talk about just Medicare Parts A and B, or can they also give information on the private insurance options? I’d really love a one-stop-shop where someone can guide us through the whole process. Does anything like that exist? We’re in New York state, if that matters. Also, our local SSA office is really intimidating, which makes this whole thing stressful.
Start by finding a SHIP counselor (in New York, they’re called HIICAP). They can explain the basics to you. These advisors are mostly volunteers whose expenses are covered by the state, so they don’t push specific products.
After that, look for an independent broker who can help with details on private insurance options. The more companies they represent, the more choices you’ll have. There’s no harm in talking to a few, just be open about it.
New York is one of the few states with guaranteed issue for Medigap, meaning you can switch from Medicare Advantage back to Medigap later without being denied coverage. But there might be a waiting period for preexisting conditions, so it’s best to check with local experts.
@Avery
The issue with preexisting conditions is a concern in most states. The safest switch is from a Medigap plan to an Advantage plan if you’ve been on Medicare for over a year. Otherwise, your rates might be based on your current health. That’s how it is here in California.
@Foster
It’s different in Massachusetts. And I believe it’s not an issue in states with the birthday rule. Not sure about Connecticut, though, which also has guaranteed issue.
You should definitely find a broker.
To answer your main question, SSA offices only provide information about standard Medicare (Parts A and B). They don’t deal with private insurance plans.
Do some research so you can get familiar with the basic terms. There’s a lot of good information on YouTube. And yes, finding a broker is a good idea.
As someone else mentioned, what you need is a SHIP advisor. The SSA can help with the technical aspects like which forms to fill out, required documents, and possible penalties, but they won’t give advice on choosing between Medicare plans.
From my own experience, SSA mainly deals with Parts A and B. Once your dad has those set up, he can get in touch with a SHIP advisor to figure out the rest. Take your time, and don’t stress.
I’m just quoting from an article, not sharing my own opinion. Some brokers, like those in finance, have a fiduciary obligation to offer advice that’s best for the client. But many brokers might not push Original Medicare because it doesn’t give them a commission.
Some brokers are charming and persuasive, but it’s important to know that they could have a conflict of interest. If someone says they’re lost in this process, I don’t think it’s wrong to give them a heads-up about how brokers operate.
The SSA doesn’t handle Medicare plans, so don’t rely on them for advice about coverage options.
I’d be careful about using a broker.
There’s no guarantee that the broker is being paid to give you the best possible advice. They earn commissions from the health-insurance companies, and they don’t have to tell you how much they’re being paid or which plans pay them the most. So they might have a reason to push a particular plan even if it’s not the best one for you.
They also aren’t required to tell you about plans they don’t sell. At best, brokers might suggest adding a Medicare Part D plan for drugs and Medigap for supplemental insurance, but these don’t give them as much commission as private plans.
@Mal
That’s pretty bad advice. Honestly.
@Mal
I’m a broker, and you’re entitled to your opinion, but don’t spread misinformation.
Sure, some brokers might be untrustworthy, but your comments are making it sound like all brokers are out to trick people. Most brokers will be upfront about which plans they can sell and will even suggest other brokers if needed. My main goal is to help clients find a plan that suits them, not just to make the most commission. I sometimes end up selling plans that pay less because that’s what the client needs.
I often recommend the local SHIP office as well for a second opinion or more information.
@Mal
Insurance brokers, mortgage brokers, financial advisors—they all earn commissions. Does that mean you should avoid them completely?
Like with anything else, it’s up to you to educate yourself and choose the right person to work with. Yes, there are bad brokers, but it’s easy enough to ask the right questions to spot them.
With all the resources online, you can learn what you need to know and avoid making a bad choice. A little critical thinking goes a long way.