No Compromise, Just Maximize.
Because It’s Time To Seek Financial Advice From Experts
100%
Broker Operated
10+ Carriers
Top Rated Carriers to meet your insurance needs.
Tailored Service
Individually prepared and assembled to meet your needs.
At Retire.Plus, we're thrilled to be a 100% broker-operated brokerage. We're supported by over 10 premier Medicare and life insurance carriers such as Humana, Anthem, UHC, Wellcare, Devoted, and Aetna. We believe everyone has unique insurance needs, which is why our dedicated and skilled team focuses on creating custom-tailored plans that align perfectly with your specific wants and needs. With us, navigating the complex world of insurance is smooth and worry-free. Choose Retire.Plus and experience the joy of having coverage solution designed just for you
Because It's Time to Seek Medicare Guidance
Our mission is to help you retire with confidence and live the good life in your golden years. We know that retirement planning should be personalized, comprehensive, and effective, and we're here to make that happen for you.
We Are Here To Help You Secure Benefits
Our mission is simple: We are here to help you secure the Medicare benefits that are rightfully yours. Our process is a blend of personal attention and professional expertise. It all starts with a phone call, where we gather essential information about your doctors, medications, and more. We then schedule a follow-up appointment to delve deeper into your specific needs. Following this, we conduct a thorough 'differential diagnosis' style review with our expert team, akin to doctors consulting on a patient's care. This ensures we recommend the most suitable plan that caters to your unique requirements. Finally, we present the recommended plan to you. If it aligns with your needs and you're satisfied, we proceed with enrollment. However, if your current plan is still the best fit, we'll confirm this, providing reassurance that your existing strategy is indeed the best one for your current situation. With Retire.Plus, you're not just getting a broker – you're gaining a dedicated partner committed to your health and well being.
01
Introduction Call
We kick things off with a friendly call to introduce ourselves. During this call, we aim to gather available information such as details about your doctors, medications, and any additional information as needed.
02
Appointment Setup (if necessary):
If more information is needed to fully understand your situation and requirements, we schedule a follow-up appointment. If we have all the necessary information, we proceed directly to step 3, the Expert Review.
03
Expert Review
Our team conducts a collaborative review, like a medical 'differential diagnosis', to recommend the most suitable plan for you.
04
Plan Confirmation and Enrollment
Finally, we present the proposed plan. If it's a perfect fit, we move forward with enrollment. If your existing plan still works best, we reassure you that your current strategy is ideal for your situation.
No Compromise, Just Maximize.
It's Time to Trust Retire.Plus - Your Partner in Navigating Insurance Plans from America's Most Reputable Carriers
- Humana: Founded in 1961, Humana now serves over 20 million members and is recognized for its extensive network and range of comprehensive insurance plans.
- Anthem: With over 73 million people served, Anthem is one of the largest health benefits companies in the U.S., known for their commitment to improving health and well-being.
- UnitedHealthcare (UHC): As a part of UnitedHealth Group, the largest single health carrier in the U.S, UHC serves millions of people from their earliest years through their working lives and into retirement.
- WellCare: Serving approximately 6.4 million members as of September 2020, WellCare specializes in government-sponsored health care programs, focusing on Medicaid and Medicare.
- Devoted Health: A new, innovative Medicare Advantage company, Devoted Health emphasizes preventative care and high-quality health care services with a dedicated, personalized approach.
- Aetna: Aetna, a CVS Health company, serves an estimated 39 million people and is dedicated to providing individuals, employers, health care professionals, and others with innovative benefits, products, and services.
These companies stand out for their years of service, expansive reach of plans, large customer base, and commitment to customer service.
Three Questions to Ask Your Medicare Broker During AEP
Three Questions to Ask Your Medicare Broker During AEP
The Annual Enrollment Period (AEP) is a pivotal time for Medicare beneficiaries. It's your chance to make changes to your Medicare plans for the upcoming year. But how do you know if your Medicare broker is the right fit for you? It's worth noting that brokers are compensated by the insurance carriers they represent, which could influence their recommendations. Here are three essential questions to ask your broker to ensure you're making informed decisions.
1. How Many Carriers Do You Represent or Have Access to Viewing?
Why It Matters
The number of carriers a broker represents can be a good indicator of how comprehensive their service is. Some brokers may specialize in certain types of Medicare plans, such as Medicare Advantage or Medicare Supplement plans. Make sure to ask about their expertise and experience.
What to Ask
"Can you give me an overview of the carriers you represent?"
"Do you specialize in any specific types of Medicare plans?"
"How do you decide which carriers to work with?"
2. What's Your National Producer Number (NPN)?
Why It Matters
The National Producer Number (NPN) is a unique identifier for insurance brokers and agents. Verifying a broker's NPN ensures that you're working with a licensed professional. You can verify a broker's NPN on the National Insurance Producer Registry website.
What to Ask
"Can you provide your NPN for verification?"
"How long have you been a licensed broker?"
"Have there been any complaints or disciplinary actions against you?"
3. Are You a Broker or an Agent?
Why It Matters
Understanding whether you're working with a broker or an agent can clarify who the professional represents— you or the carrier. Brokers work for you and can offer plans from multiple carriers. Agents usually work for a single carrier. Some brokers may charge a fee for their services, so it's crucial to ask about any fees upfront.
What to Ask
"Do you work independently or are you affiliated with a specific carrier?"
"If you're an agent, are there limitations on the plans you can offer?"
Additional Resources
Medicare beneficiaries can also get free assistance from State Health Insurance Assistance Programs (SHIPs). These are government-funded programs that provide unbiased counseling and information about Medicare.
The Annual Enrollment Period is your opportunity to optimize your Medicare coverage. By asking these three critical questions, you can ensure that you're working with a broker who is both qualified and aligned with your needs. Remember, the right broker can make all the difference in helping you navigate the complexities of Medicare.
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 (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
Bogar@Retire.Plus
702-900-3691