How to Choose the Right Insurance Agent for Senior Citizens - The Missourian: Online Features

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How to Choose the Right Insurance Agent for Senior Citizens

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Posted: Tuesday, May 7, 2013 3:30 pm

With healthcare for seniors becoming more complicated, it is important for you to have someone on your side.

This may be a good time for you or a family member to start shopping around for Medicare plans. Ming Senior Services of Union can make it easy for you to get high quality, affordable health care. You don’t necessarily have to wait until the end of the year to enroll in one of their insurance plans. There are 'Special Enrollment Periods' that many are eligible for.

Medicare Advantage, Medicare Part D and Medicare Supplement plans are some of the insurance options that agent Dee Forshee specializes in. She is a partner with Jim Ming and they operate Ming Senior Services. Ming Senior Services is a sister company to Ming Insurance Group.  Ming Insurance Group offers individual and group coverage through all major insurance companies. Contact Casey Ming for more information.

When it comes to choosing the right insurance agent for seniors, Forshee recommends you get referrals from doctors, neighbors, friends, and family.

“Pick an agent that is going to be there for you if you have a problem,” Forshee said. “Does that agent have a customer service department? Is it a bricks and mortar business? Are they going to be there for you if you have a problem or question? These are things you want to look for.”

Ming Senior Services has been ranked the No. 1 Agency during the Annual Enrollment Period in 2011 from Coventry, and in 2012 they were awarded Agency of the Year by Coventry at a recent awards event. They also came home with 10 of the top 20 awards given.

When it comes to the different insurance plans, Ming Senior Services helps you compare the strengths and weaknesses of your options so you can make an informed choice.

They do not go away after enrollment but continue to help you year round. Ming Senior Services encourages you to bring in your family to go over your plan if you have any questions.

Ming Senior Services follows the highest standards in the health insurance field. Forshee says it is prohibited by federal law for any insurance agent to solicit door-to-door, approach you in common areas, and contact you by telephone unless you have given them permission. These forbidden actions are set by the Centers for Medicare and Medicaid Services (CMS).

“There is so much regulation for seniors,” Forshee said. “And we take that very, very seriously. We follow the rules that Medicare establishes.”

With that being noted, Forshee says there are many agents out there that do not follow these rules “to an alarming degree.”

Ming Senior Services has agents across the state, and they are ready to serve you.

Quick Tips

1. Get a referral from people you trust

2. Make sure the agent you pick will be there for you and answer all of your questions

3. Choose an agent that honors and upholds the standards set by the Centers for Medicare and Medicaid Services

4. Choose an agent that offers all types of Medicare products as opposed to only one type

5. A quality agent will help you choose the best plan for your lifestyle

6.  Always use an agent that is licensed but also certified

Need more info?

Ming Senior Services

203 E. Main, Suite B

Union, MO


Read more helpful tips in our "How To Guide"