Working with an independent health insurance broker can help you make sense of all your options. Because Medicare Insurance can be a complicated topic, with many different options and plans available. It is easy to feel overwhelmed and confused. That is why working with us makes sense.
Our team consists of a diverse team of licensed agents who can speak Cantonese, Mandarin, Vietnamese, Korean and Spanish. Our team of agents have over 20 years experience combined in the Medicare industry.
Our agents are knowledgeable about Medicare Parts A, B, C and D, Medicare Supplement (Medigap) plans, Medicare Advantage plans and benefits beyond Original Medicare.
Our friendly and knowledgable agents attend trainings each year to keep up with the latest on Medicare plans and options, provider and network changes, contract changes and new laws.
When we work as a team, we can leverage our knowledge and resources.
Why Should you use an Independent Broker when applying for Medicare?
Choosing a Medicare plan carries a high degree of importance for several reasons:
Independent brokers are contracted with different insurance carriers and can help you compare the different options.
What are the Benefits of Using a Broker?
Insurance brokers are independent agents who represent multiple insurance carriers. This professional has dedicated their career to understanding the complex web of Medicare insurance options, and therefore has experience dealing with almost any situation imaginable.
Because brokers work independently, rather than for a specific insurance carrier, they can offer you knowledgeable guidance. You can feel confident that this professional is helping you identify your own priorities and needs and is using those to inform their recommendations.
After you’ve enrolled in your chosen plan, a broker continues to offer support. You will have access to a team that can answer your questions and help you learn about your policy. And in the event of a problem, you support team can help you:
Since brokers are intimately familiar with each insurance provider’s underwriting procedures, they can offer you vital information regarding your application. Often you can save significant amount of time by applying for a policy through a broker, who already knows which companies are likely to accept you. This is especially important when applying for a Medicare Supplement plan outside of your Initial Enrollment Period.
How do brokers get paid?
Brokers are paid a commission by the companies they represent, and that commission is prebuilt into the cost of each policy. The rate you pay for your Medicare plan is the same, whether or not you use a broker. When you enroll directly with the insurance carrier, they keep that commission money for themselves, rather than offering a discount.
That means you can access the personalized services of a broker at no extra cost to you. In addition, you can enjoy all of the extra benefits.
Why work with us?
We are not your average Independent Insurance Agent. We take pride in our approach to give our clients a quality experience when it comes to providing valuable information around their healthcare and Medicare benefits and options.
At ML Health Insurance Services, we strive to bring ease and peace of mind to those navigating the Medicare Insurance realm. We work with family members and Medicare eligibles to help our clients understand all the different parts of Medicare Our agents take time to hear about each client’s unique and particular situation. We help compare options while keeping in mind the client’s preferred doctors and specialist, hospitals, networks, medications and additional benefits beyond what Medicare offers.
Our Medicare agents participate in trainings year round and especially before the Annual Enrollment Period. We also build relationships with providers, medical groups and insurance carriers. We also connect with Seniors Centers and other service providers.
Our agents are passionate about helping seniors navigate the complex world of Medicare, because we have parents, family members and friends who have gone thru this process. We understand how confusing it may be for those turning 65, and aim to bring ease and flow to the process.