A Licensed Cigna Agent

Tips for selecting Medicare Insurance

Keep your Medicare card safe along with other additional Medicare related cards in your wallet.
Keep track of your bills. If you suspect unfair, erroneous, or wrongful billing, you must ask for explanation and report to your insurance carrier or Medicare. This will help prevent fraud.
Choose your health care providers carefully. The quality of care may vary among doctors, hospitals, and other providers.
Understand how Medicare and related coverage by Medicare Advantage, Medicare Supplement, and Prescription Drugs Plans work.
Must know how the plan you purchase defines the ‘in-network’ and ‘out-of-network’ services of providers. You may run into situation where there could be ‘out-of-network’ providers like surgeons anesthesiologists under the same roof of a facility who can spring ‘surprise billing’ on you.
For non-emergency procedures that you may plan to undergo in a provider’s facility or hospital, make sure that you get the estimate of services and get pre-approval from your insurance carrier.
When you get statement of services in the mail, called Medicare Summary Notice, look it over and ensure you got the services that were billed on your behalf.
The other route plan for you is to visit the authoritative website https://www.medicare.gov and wind your way to navigate through to learn what you should do when.
You may prefer to call the Help Lines at 1-800-MEDICARE (1-800-633-4227), and ask them how best you can go about getting Medicare health insurance.
You have the right to know and right to complain.

"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."