If you’re someone who prefers handling things independently—like doing your own taxes—you’re not alone. Many people take pride in managing their own affairs. But when it comes to Medicare, navigating the options can be complex, and that’s where a licensed insurance agent can offer real value.
Kelly Hoehmann, a Licensed Insurance Agent at Bankers Life and Casualty Company in Massachusetts, shares insights from her experience helping clients make informed financial decisions, especially around retirement and Medicare.
“A big part of my job is to educate and guide my clients through important financial choices,” Kelly explains. “Medicare coverage is one of those decisions that shouldn’t be one-size-fits-all.”
Personalized Guidance Matters
Kelly emphasizes that choosing a Medicare Advantage plan isn’t about following what your friend or colleague picked. Instead, it’s about tailoring coverage to your unique health needs, medications, and budget.
“I sit down with my clients and look at their health status, prescriptions, and what they can realistically afford,” she says. “We also stay informed about state and federal programs that may offer additional support based on income and assets.”
Expertise You Can Trust
Licensed insurance agents like Kelly undergo rigorous annual training and testing to stay current on Medicare regulations and coverage options. This ensures that when you work with a professional, you’re getting advice that’s both accurate and up to date.
“We’re not just here for the initial enrollment,” Kelly adds. “I maintain relationships with my clients throughout their retirement because healthcare needs evolve. That’s why I conduct annual reviews to make sure their plan still fits.”
Beyond Medicare: Planning for Long-Term Care
One common misconception Kelly encounters is that Medicare covers long-term care, but it usually doesn’t. This gap in coverage can be financially devastating, especially for those with assets to protect.
“Long-term care has become a major concern,” Kelly notes. “Many people aren’t aware that Medicare usually won’t cover those costs, which is why exploring long-term care insurance is so important.”
Whether you choose to explore Medicare options on your own or work with a licensed agent like Kelly, the key is to educate yourself and make choices that align with your personal needs and financial goals.
Want more? Check out our blog, Navigating Medicare Enrollment: What You Need to Know for a Smooth Transition Into Retirement
We’re Here for You!
Bankers Life is here to help customers with their financial and insurance needs so please visit us at BankersLife.com to learn more.
Bankers Life is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
