Senior Citizen's Guide to Washington County Spring/Summer Edition 2017 - page 22

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Help for Finding the Right
Medicare Solution
With the recent change in the
country’s leadership, many ques-
tions have been raised about what
changes will be made to Medi-
care. But what is more important,
according to John Wells of Medi-
care Specialists of Pittsburgh, are
the questions that people have
about their Medicare coverage
right now.
“We have no idea how Medi-
care is going to be impacted by
the new administration – our
goal is to assist people with their
concerns now,” he explains. “We
want to make sure that people who
are shopping for supplemental
coverage know about all of their
options and can find a product that
fits them for the lowest cost. In a
lot of cases, we can help people
save $20 to $40 a month on their
premiums for secondary insur-
ances — and that adds up on a
fixed income.”
According to Wells, just like
a car or homeowner’s insurance,
supplemental insurance should be
reviewed every few years. “You
need to shop it around,” he says.
“A lot of people overlook this.”
People should consider finding an
insurance broker to help them if
they have gone through financial
or health issues that may make
them eligible for programs such
as PACE/PACENET, LIS (low
income subsidy), and Medicaid,
that could help them save money
on coverage or prescription drug
costs.
“Unfortunately, what happens
a lot of the time is that people just
don’t understand what documents
are needed, or they have trouble
keeping track of the paperwork
that the state or county needs,
so they end up losing their assis-
tance,” he explains. “We spend a
lot of time preparing documents
to make sure they are submitted
in the proper way.”
One of the diff iculties that
people face when they turn 65
and are eligible for Medicare is
the avalanche of information that
they receive. “People are getting
slammed by unsolicited phone
calls and junk mail – I met with
a woman yesterday who said that
she doesn’t even answer the phone
anymore,” said Wells. “I highly
encourage those who are about to
turn 65 to talk to an independent
broker who specializes in Medi-
care at least four to six months
before their birthday They don’t
need to respond to those unso-
licited phone calls; they can just
tell them they have a broker and
hang up.”
Brokers are usually licensed
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