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Sunday, October 2nd
Although GoHealth has only been a part of the Medicare marketplace since 2016, they've been part of the insurance industry since 2001. The company is well-established as a referral service specifically for Medicare Advantage Plans, with 10% of all subscribers nationwide having used GoHealth to sign up for their coverage.
Very Positive Customer Feedback
GoHealth has an incredibly positive reputation. Not only are they "A+" rated and accredited by the Better Business Bureau, but they also have thousands of 5-star ratings from happy clients. This is definitely a reputable service for getting Medicare Advantage Plans.
Lots Of Information, No Quotes Online
When looking for information on Medicare Advantage Plans, you'll find a wealth of information on this service's site - so much so that it can be easy to overlook how to get an actual quote for a policy! You can either call the toll-free number at the top of the site, or you can provide your contact information and wait for an insurance agent to reach out. GoHealth offers no tools for comparing insurance providers or plans in your area through their website.
No Quote Given: "call Back Later"
Unfortunately, even when we called, we weren't allowed to get a quote for Medicare Advantage unless we could confirm an effective date for the Part A and Part B coverage. That's in sharp contrast to many brokers and insurers, who were more than happy to let us know what kinds of plans were available in our area, what our premiums would be, and so forth. Even when we explained that we were 99% sure the coverage would be effective on the first date of the month that our fictitious client turned 65, we were repeatedly asked to call back when we were positive about that effective date. Given that we had heard really good things about GoHealth in terms of their additional Medicare options, this was a huge disappointment to not even be given the opportunity for a ballpark quote.
Zero Information Provided
That was also very surprising when you consider how early on it's recommended that people do the research and get their Medicare options lined up. The GoHealth representative we got didn't even ask what state we lived in, to give us a broad overview of what we'd need to do and when. We're not sure why they were unwilling (or unable) to start us out with even some basic facts about the insurers in our geographic area or how Medicare Advantage works, instead of just insisting we call back later when we had a confirmed effective date in hand.
Your Results May Vary
We don't want to overlook GoHealth completely, because the company does have a very strong reputation and the quote process might be much smoother for those who are already enrolled in Medicare. However, because we were able to easily get quotes from so many other referral services and insurance companies, GoHealth comes up very short in our rankings.
As your 65th birthday approaches, it's time to start sorting through your options with respect to Medicare health coverage. Those options include several add-on components, one of which is Medicare Advantage.
What are Medicare Advantage Plans? Essentially, they allow you to take your Part A and B coverage and transfer their management to a private insurance company - often with insurers you may have already used in the past, like UnitedHealthcare and Blue Cross Blue Shield. Although Advantage Plans come with some limitations - most require you to use in-network practitioners to maximize benefits, for example - they can be attractive for a number of reasons.
Think of it like an all-inclusive resort: you might give up some flexibility in exchange for knowing that everything is taken care of, from meals to entertainment, and you don't have to try and cobble together a plan for your perfect vacation. Similarly, Medicare Advantage bundles up a number of features, many times including prescription drug coverage and even dental/vision/hearing services, that otherwise you'd have to piece together on your own with separate standalone plans.
Medicare Advantage premiums vary by provider and by plan. It's possible to get a policy with $0 in monthly payments, but those tend to come with higher out-of-pocket costs like office visit copays and annual deductibles. It's also important to point out that you can't have an Advantage plan and a Medigap policy at the same time: you'll need to carefully consider your situation - anticipated health needs, your income and ability to pay monthly premiums vs. paying for hospitalizations and other major medical expenses, and so forth - to strategize which additional Medicare coverage you need and when.
There are two main approaches to buying a Medicare Advantage Plan: go directly to an insurance company or work with a broker. Buying your policy right from an insurer can feel more reliable, choosing a company you already know and trust, maybe even one that has been your healthcare insurance provider in the past. You can usually count on premium quotes to be the lowest possible for that particular company. However, going through a broker or a referral service doesn't necessarily mean you'll pay more - and you gain the advantage of getting policy quotes from multiple providers at once. No insurance company is going to tell you that you might get better coverage from a competitor!
Either route you choose, it's a good idea to do some research in advance: to familiarize yourself with the different Medicare Advantage Plans, their benefits and their average premium costs for someone in your demographic (age, gender, location, etc.). Otherwise you could find yourself feeling pressured to commit to a policy that might not be the best fit for your needs. There are many websites, offered both by brokers/referral services and by the insurance companies themselves, with helpful articles and tools to help you figure out what coverage is best suited to you. Also, be aware that in order to apply for any Medicare Advantage Plan, you'll need to have your Medicare number - so make sure you've taken the steps to enroll in Medicare before choosing your Advantage coverage.
TopConsumerReviews.com has reviewed and ranked the best Medicare Advantage Plans available today. We hope our in-depth evaluations save you some time and hassle - by providing the detailed information you need to select the best provider and plan for your coverage!
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