How to get ready for a meeting with your licensed Medicare sales agent

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If you’re new to Medicare, check out our Medicare 101, understanding your Medicare options and finding the right Medicare plan for you articles. If you need to find an insurance agent, you can get some pointers in this article and understand why an agent matters. For example, an agent can help you figure out what coverage works best for your situation, how to get the most out of your plan and even help you find in-network doctors for a specific plan.*

Take the guesswork out of preparing to meet with a licensed Medicare insurance agent with this article. Here’s what to do before, during and after you meet with an agent.

What to do before the meeting

1. Review your current plan and health needs
   Before meeting with an agent, you’ll want to look at your current health plan and how it works for you. Figure out what type of health coverage you have—medical, prescription, dental and/or vision—and what kind of coverage you need. Consider any upcoming procedures or recent health changes. List what you pay each month for premiums and copays and review your deductibles and maximum out-of-pocket costs. Are you able to afford these costs? If not, figure out what would be more affordable for your budget.Ask yourself what you like most about your current coverage.What benefits do you like best? Do you prefer any specific providers or hospitals?Make a list of the things you like and want to include in your plan.

   Is there anything you would add or change about your current coverage to make it better? What are you hoping to gain by switching plans? Is travel or living elsewhere a part of your lifestyle?

2. Ask for materials to be sent to you in advance
   Ask for the agent to mail or email materials to you in advance so you have time to review them. Make a list of questions or concerns. Refer back to your likes and dislikes, needs and goals in step 1.
3. Decide if you want to do the meeting in person, via phone or video call
   You can meet with your agent in person or over the phone. Both options let you talk through your needs, ask questions and review plan details without worrying about technology.
   If you’re comfortable with tech, you could also do a video chat. You and your agent can see each other, and they can share their screen so you can follow along with the materials in real time. Just be sure to set up your account, download any apps ahead of time and practice using the platform so you’re ready to go.

During the appointment

1. Create a focused environment
   Be sure you have a quiet space and can hear the agent well. Turn off any other distractions like the TV, radio or apps.
2. Ask the agent to speak clearly and slowly
   Don’t be afraid to let them know if you’re having problems hearing them.
3. Listen carefully and ask questions
   If you’re unsure or confused by anything the agent says, be sure to ask a question to clarify. Repeat what the agent said back in your own words to confirm you understand correctly.
4. Follow along with the materials
   Ask the agent to tell you page numbers and describe the materials so you can follow along with them.
5. Decide if you want to enroll now or need more time to review options
   If you’re ready to enroll during your appointment, you can sign electronically or confirm with a voice signature by phone. If you want more time to review plans, you can ask the agent to email you the options discussed or mail you the enrollment forms so you can enroll yourself.

After the appointment

1. Enroll in a plan if you didn’t during the appointment
   Follow up with the agent if you have any other questions or concerns. Enroll in a plan that works for you.
2. Watch for your enrollment materials
   Be on the lookout for your enrollment materials including your summary of benefits and your membership ID. Once you get your materials, set up any accounts like the MyHumana app, SilverSneakers^® and Go365^®. Be sure to activate any supplemental benefits like an over-the-counter or grocery allowance.^†‡ If you need assistance or have any questions, reach out to your agent or carrier for help.
3. Set up a doctor’s visit
   Read the how to prepare for a doctor’s visit article to learn how to get ready for your next doctor’s visit.

Do you need to find a new primary care provider in addition to a new health plan? Learn how to find the right value-based care provider for you. Read the article.