Why Work With an Independent Medicare Agency Like BeneCentric?

When it comes to Medicare, you have plenty of places to turn for help. You can call an insurance company directly, respond to an advertisement, use a large call center, or try to sort through all the choices yourself.

There’s another option: working with an independent Medicare agency like BeneCentric.

So, what’s the difference? Here are a few reasons it can matter.

1. We Represent Multiple Insurance Companies

BeneCentric isn't limited to recommending plans from just one insurance company.

We represent multiple Medicare insurance carriers, which allows us to look at a range of plans and options available through the companies we represent.

That's important because there isn't one insurance company or one Medicare plan that's right for everyone. Your doctors, prescriptions, pharmacy, budget, travel habits and personal priorities can all affect which options may work well for you.

Our job is to start with you, not with a particular insurance company.

2. We Can Compare Multiple Options With You

Medicare plans can look very similar at first glance, but the differences can be important.

Provider networks, prescription drug coverage, copays, deductibles, maximum out-of-pocket limits and additional benefits can vary from one plan to another.

Rather than calling several insurance companies separately and trying to compare everything yourself, we can help you review the options we represent and understand the differences in plain language.

3. We're Not Trying to Make One Brand Fit Everyone

If you contact an insurance company directly, naturally, they'll talk with you only about the products they offer.

At BeneCentric, we can take a broader approach.

We first want to understand what's important to you. Then we can look at the plans available through the insurance companies we represent and help you determine which options deserve a closer look.

Sometimes the plan you already have may continue to fit your needs. If so, that's important to know, too.

4. You Have a Consistent Point of Contact

Large insurance companies and call centers serve thousands—or even millions—of people. The person who helps you today may not necessarily be the person you speak with the next time you call.

BeneCentric is intentionally different. We're small and personal, and we intend to stay that way.

When you work with us, you're building a relationship with a local independent agency. We get to know you, your situation and what's important to you.

You shouldn't have to start your Medicare story from the beginning every time you have a question.

5. We Believe Medicare Should Be Explained, Not Just Sold

Medicare has its own language: Part A, Part B, Part D, Medicare Advantage, Medigap, networks, formularies, enrollment periods and more.

It can become overwhelming very quickly.

At BeneCentric, education comes first. We take the time to explain your choices in straightforward language so you understand not only what you're choosing, but also why it may make sense for you.

No pressure. No need to become a Medicare expert yourself. Just clear information to help you make an informed decision.

6. Our Relationship Doesn't End When You Enroll

Choosing a Medicare plan isn't necessarily a one-time decision.

Plans can change. Prescription drugs can change. Doctors can change networks. Your health, budget or priorities may change too.

That's why BeneCentric is available to our clients year-round—not just when it's time to enroll.

And when the next enrollment period comes around, we can review what's changed and help you determine whether your current coverage still fits your needs.

7. We're Local

BeneCentric is based right here in Southwest Michigan.

We understand that personal service still matters, particularly when you're making an important decision about your healthcare coverage.

You don't have to navigate a huge organization or wonder whom to call. You have a local resource you can reach when you need help.

8. Our Guidance and Support Are at No Cost to You

There is no fee to work with BeneCentric for our Medicare guidance and support.

If you enroll in a plan through us, the insurance company may compensate us.

You don't pay an additional premium because you worked with BeneCentric.

That allows us to provide personal guidance while helping you compare the plans and insurance companies we represent.

Maybe the Biggest Difference: We Start With You

Being an independent agency doesn't mean we represent every insurance company or every Medicare plan available.

What it does mean is that we're able to work with multiple insurance companies and consider multiple options rather than beginning with just one brand.

At BeneCentric, we think the Medicare conversation should start with a few simple questions:

What do you need? What matters most to you? And what are you trying to accomplish with your Medicare coverage?

Once we understand that, we can help you navigate the options we represent and help you make your decision with confidence.

That's what BeneCentric is here to do for you.

Have questions about Medicare or wondering whether your current coverage still fits?

Contact us to schedule a no-cost Medicare conversation.

_____________________

BeneCentric is an independent insurance agency serving Michigan clients and we are not affiliated with or endorsed by the U.S. government or the Federal Medicare program.  We represent multiple insurance companies offering multiple Medicare products and Prescription Drug Plans. We do not offer every Medicare plan available in your area, and plan availability varies by county and eligibility.

If you want more information about all Medicare plan options available in your area, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).