Smart Medigap Plans, led by Mike Hagan, is helping Texas residents learn about Medigap and its function as a supplement in the Medicare system. Given that most people who use Medicare are seniors, Smart Medigap Plans focuses their efforts on making sure this part of the population are able to make informed decisions about their coverage. See more here: Turning 65 Medicare.
There are many terms that a senior (or their family) will come across if they search online for information on Medicare. These terms may include ‘Original Medicare,’ ‘Medicare Advantage,’ ‘Medigap’ and so on, and this is before the various Plans are taken into account. While these terms refer to similar services in some ways, they are distinct aspects of the healthcare system that need to be understood on an individual level before they can be used effectively.
Medicare offers seniors access to a host of opportunities that enable them to receive coverage at affordable rates, but this complexity can make it difficult for them to navigate the system well enough to make the right choices for their healthcare needs. One major impact of this may be inadequate coverage, particularly if they are unaware of what Medigap exists for.
“Whatever form of Medicare you decide to opt into,” Hagan states, “you may find that there are certain gaps in your coverage. Medigap is extra health insurance which you can purchase through a private company to ensure these gaps are filled. Medigap can step in where certain other healthcare costs are not addressed by Medicare, such as co-payments, deductibles and healthcare if you travel outside the US. As your personal Medicare advisor, I can help you make sense of this and pick a plan that works for you.”
As an independent Texas Medicare insurance broker, Mike Hagan is able to guide his clients through Medicare insurance and its various complexities. He offers advice and one-on-one consultations to residents in Texas, and he makes it a point to be personally involved with every client that Smart Medigap Plans takes on. He has been working in the field for the better part of a decade, and he brings a considerable array of resources and vast experience to every discussion he has with a client.
Hagan understands that most people prefer to keep their healthcare and insurance costs as low as possible. Given that a Medicare Supplement plan is essentially an additional expense, clients always prefer lower premiums, and Hagan can help with this as well.
“When you work with Smart Medigap Plans,” he says, “you are choosing to place your trust in an independent insurance broker whose sole priority is you. I do not work for anyone else.”
Those who have used insurance brokers in the past may expect that they all work hand-in-hand with an insurer, but this is not necessarily the case everywhere. Hagan is an independent broker, which means he has no financial obligation to any insurer, and this in turn means he is free to search for plans that offer the lowest premiums and widest coverage.
In fact, clients will be pleased to learn that he will continue his service even after they leave his office, satisfied with their new coverage. Hagan explains that new insurance products are introduced to the market all the time, so it is possible that new plans with lower premiums will be available at some point in the future. Since it would be time-consuming and inconvenient for a client to manually check for better plans themselves, Hagan places everyone on his calendar so he can look for new plans himself in the future.
According to Hagan, this does not mean a client would be prompted to change or update their coverage every year. To accommodate the pace at which new products enter the market, Hagan will follow up three years after the initial procedure. He points out rates go up with every carrier every year, and he will work to get their rate back down when necessary.
Mike Hagan and his team strive to ensure the community has the best coverage possible. Those interested may contact the Medicare insurance specialist at Smart Medigap Plans via phone or email, and more information about their services can be found on the company’s official website.
Insurance products and services to Medicare eligible individuals in Texas. Our products include Medicare Advantage, Prescription Drug (Part D), Medicare Supplement (medi-gap) plans, along with Hospital Indemnity, Cancer, Dental and Vision coverage.
Smart Medigap Plans
2451 W Grapevine Mills Cir #617
Grapevine, TX 76051
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