Medicare help is our claim to fame. We offer our policyholders a free service that provides continuous help with their Medicare issues for the life of their policy. That service offers a team of Medicare specialists whose number one goal is to answer questions and fix most all Medicare issues that may arise. The team does this so you don’t have to call Medicare or the Insurance Carriers yourself.
In addition to offering guidance or resolving issues, the Client Service Team (CST) is here to help you with other Medicare-related topics such as rate shopping your supplemental coverage or drug plans.
If you are considering Boomer Benefits as your Medicare Insurance Broker, then you should definitely continue reading to learn more reasons why you will LOVE our Client Service Team.
1. We Won’t Let You Pay Bills That You Aren’t Supposed To
Medical bills get processed by several different responsible parties, sometimes causing issues that might result in a bill being processed incorrectly. Also, your status with Medicare is always updating. Whether it be that Medicare just became your primary insurance or you changed your supplement plan, it can take awhile for each party to catch up.
It’s inevitable that you might receive a bill that you expected Medicare would pay for. Determining whether you owe on a bill or if it was processed incorrectly can be confusing. Don’t worry! If you have your policy with Boomer Benefits, you can send any questionable bills to us. Our CST will investigate why the bill is being sent to you and follow up with you accordingly.
If the bill is accurate then you will need to pay it. If not, we will get it resubmitted for someone else to pay it.
2. We Will Resubmit Claims for You
The bills mentioned above are considered claims. If we figure out that you weren’t supposed to receive that claim, then we will contact the responsible party for payment. We will even follow up to make sure it was resolved.
This will save you hours of chasing around the proper parties trying to get your Medicare claims paid.
3. We Make Sure a Reimbursement is Sent to You
Say you accidentally pay one of those bills that you weren’t supposed to pay. We will contact the billing department to which you paid and request a reimbursement be made for you.
For example, here’s a situation that happens often: your doctor’s office knows you have a $183 deductible. They charge you that $183 up front, at the time of your appointment, prior to submitting the claim to Medicare. If you pay that $183 before Medicare processes the claim, Medicare has no way of knowing that you have met your deductible. Therefore, if Medicare processes a different bill from another provider, they will expect you to pay $183 to that provider to meet your deductible and then you will be owed a refund from the provider you paid the $183 to up front.
We will contact that doctor’s office to make sure that they refund you that original $183 that they pre-charged you and follow up to ensure you received your money back.
4. We Can Assist You with an Appeal if a Carrier Declines Your Application
Medigap plans are not guaranteed as some can be denied. There are a few different reasons as to why, but one that happens more often than others is, failing the underwriting process for a Medigap application.
When applying for Medigap policies, you must undergo medical underwriting in most states. This means the insurance company will ask you multiple questions about your medical history.
Insurance companies can decline you based on your answers or based on facts they find in your medical and prescription history. However, you do have the right to file an appeal regarding their decision. Their decision may still stand, but it’s at least worth a try and the CST can guide you on how to file the most compelling appeal possible.
5. We Make Check-In Calls to Our Policyholders
We make regular check-in calls to make sure all is going well with the policies we helped them enroll in. During these calls, it is common for our clients to think of questions that they have wanted to ask but just haven’t got around to picking up the phone.
Our check-in calls give our clients comfort in knowing that if they forget to call us, we will be calling them.
6. We Rate Shop for Clients
Rate Shopping is where we look at other plan options for a client because they are no longer happy with their plan’s monthly premium.
Some insurance carriers will notify us that a client’s rate is increasing. When that happens, we promptly call the client and let them know of the change. We are able to rate-shop other carriers to see if we can find a lower rate for the same coverage and benefits with a different carrier.
There are also some carriers who DON’T notify us of the rate increase, but instead will notify you by mail. In that case, we ask our clients to call us and we will rate-shop for them.
Clients can also call us anytime throughout the year to have us shop their rates for them even if their rate isn’t increasing.
7. We Assist Beneficiaries During the “Golden Ticket” Opportunity
Every Medicare beneficiary gets a one-time Medicare Supplement Open Enrollment Period when they first turn 65 or enroll into Medicare Part B. We call this period the “Golden Ticket”. The Golden Ticket means skipping underwriting and automatically being issued a policy.
Many people with serious medical issues aren’t able to pass underwriting for a Medigap plan. In some states, beneficiaries don’t even have the option to buy a Medigap plan prior to age 65, so many of our clients with Medicare disability choose a Medicare Advantage plan. Luckily, these people will have an opportunity to change to a Medigap plan at 65.
If you are disabled and already have Medicare, our CST team can connect you with a sales agent to help you transition to a better policy at age 65. Individuals in this scenario get a second open enrollment window for Medigap plans. This means that if you couldn’t get a Medicare supplement before due to health conditions, you have a second chance as you switch from Medicare due to disability over to Medicare due to aging in.
If your Open Enrollment Period passes, you may have to go through underwriting. With underwriting, there is no guarantee of approval.
8. We Provide Doctor Verifications
Medicare Advantage Plans have networks with particular doctors that they allow you to see. If you are in the process of looking for an advantage plan with us, we will need to make sure your current doctors are within the network for the plans that you are considering.
This may seem like something small, but if you have two or three different doctors, finding a plan in which all of those doctors participate in the same network is pretty tricky and takes a ton of phone work.
Being able to continue seeing your same doctors is probably important to you, and we understand that. That’s why we will take the time to verify through multiple sources whether or not your doctor accepts certain plans.
9. We Offer to Evaluate Your Drug Plan Each Year
Many people on Medicare may not realize that their drug plans change each and every year. Medicare sets new limits and deductibles, and the Part D companies can change their rates, formularies, copays, pharmacy networks and other features on their plans.
Our clients can contact our CST every year for free assistance to make sure their current plan is still cost-effective. This evaluation can be beneficial to your pocketbook since drug carriers change their plans along with Medicare. Those changes can be significant and cost you hundreds of dollars more next year vs the plan year in which you first signed up.
10. We Assist Our PDP Clients with Drug Plan Issues
Drug plans can be super confusing. Having someone to call whenever you have a question about how your specific plan works is a great benefit. That’s what our CST does for our policyholders.
The CST will also help you when you run into issues with the pharmacy. In fact, hiccups with Part D account for most of the assistance that our service team provides. Clients call us more often about Part D than anything else.
For instance, let’s say the pharmacy is charging you a higher copay than you expected. Let us know and we will look into it and review your plan’s copays and make sure the pharmacy corrects the price. Another common one we run into is prior authorizations. You need medication and the pharmacy can’t fill it because it needs prior authorization or has a quantity limit.
People who enroll in Part D on their own get to figure out that nightmare for themselves. People who enroll in their policy through Boomer Benefits call us, and we guide them through the necessary steps to get their doctor’s approval.
11. We Help Prove that Our Clients Had Creditable Coverage
If a person signs up for Medicare after their IEP at age 65, they have to prove that they had creditable coverage through an employer group health plan, retirement plan or VA benefits. Medicare wants to know why you didn’t sign up at age 65.
These days, many people continue working well past the age of 65. They often don’t know that they needed to keep proof of the creditable coverage so that later when they enroll in Medicare, they don’t incur late enrollment penalties for Part D.
We assist our policyholders with the long and sometimes stressful process of proving your creditable coverage to Medicare.
12. We Will Get Your Plans Switched If You Move
When someone moves to another state while on Medicare, the move can be a little complicated. Some policies like Medicare Advantage plans and Part D plans are specific to the area in which you live. You will most likely have to change them when you move.
Our CST will do all the heavy lifting with Medicare for you. We will provide guidance and take the necessary actions required to help you change your plan. We will provide you with your coverage options in your new state. We’ll also give you instructions on how to notify the prior plan, Medicare and Social Security about your move.
We Set Ourselves Apart from the Rest
Simply enrolling in Medicare is a difficult process in itself. You can only imagine how difficult the rest of the process can be. Not to mention all the bumps in the road while having Medicare coverage.
It is so rare to find this level of amazing service. Don’t take our word for it – you can read the over 1000 Five-Star Reviews here on our website.
Access to our legendary CST is a service we offer to our clients at no cost. You pay the same premium that you would pay if you enrolled directly through the insurance company. However, you will not find anything like our Client Service Team anywhere else.
Contact us when you’re ready. We will be right here for you when you need us.