What is an Insurance Consultant?

Our 75 years of combined experience help you access, understand and navigate the insurance system: health and life, Medicare and all related products such as supplements and Part D prescription drug coverage, employer group insurance including retiree coverage, Medicaid, prescription, long-term care, and disability.

What is a Licensed Insurance Consultant?

A licensed individual who does not sell financial or insurance products and is trained, knowledgeable, and able to identify insurance coverage problems or help individuals avoid pitfalls, review policies including health, prescription, life, disability, and long-term care coverage, fight denied claims, reconcile explanation of benefits, and troubleshoot insurance coverage issues/concerns.

Do you sell insurance or financial products?

No. We receive no commissions or finders fees from insurance companies or related entities, and can offer clients unbiased information to help them make knowledgeable, informed decisions about their coverage or options.

Are you licensed?

Yes. Not all states have licensed insurance consultants. Licensed insurance consultants in Wyoming are required to obtain and report to the insurance department that they have 24 continuing education credits in specific areas approved by the insurance department. Our staff also belong to organizations like NAIFA (National Association of Insurance & Financial Advisors) who require members to educate themselves and uphold a code of ethics to remain as active members.

As licensed insurance consultants, we offer unbiased, objective services to help our clients plan for and determine what related insurance products and services they need and want including:

  • Researching options, costs and benefits for coverage
  • Helping you plan for “next step” transitions such as retirement, a move, traveling or Medicaid
  • Representing you, not the insurance company
  • Helping you understand insurance coverage and costs: Medicare, supplements, employer and retiree, Medicaid, prescriptions, long-term care, disability, provider networks
  • Finding opportunities to help you maximize your benefits at a lower cost

How would I use the services of an Insurance Consultant?

  • Electing options for coverage when you become eligible for Medicare
  • Understanding healthcare options and costs when considering retirement, transition to Medicare, how to insure a younger spouse or cover children
  • Help applying for Medicaid
  • Understanding Medicare Part D prescription drug coverage or other ways to get prescription coverage through an employer, health exchange or individual policy
  • Reviewing a long-term care policy coverage, especially as premiums continue to increase or coverage notice indicates you may be losing coverage
  • Reviewing explanation of benefits (EOB’s) or Medicare Summary Notices (MSN’s) to ensure your insurance is paying what they are supposed to pay
  • Appealing denied claims
  • Reviewing annual notice of changes to current health/employer/retiree policies
  • Reviewing Medicare Part D during annual open enrollment periods (Oct 15-Dec 7)
  • Coordinating benefits with other coverage such as veteran’s benefits, Tricare, Federal, employer, retiree, spouse coverage or other
  • Addressing in/out of network issues
  • Ensuring coverage if you travel in or out of the country or winter elsewhere

We often find our fee in the savings you receive. SENIORx Patient Advocates has a proven track record of helping clients save time and money while reducing their anxiety and stress about navigating a complex and confusing system.

We DO NOT sell or receive commissions for any insurance or financial products.

Our Services Include

Health and Life Insurance: Medicare, Retiree, Employer Group, Individual, Dental, Vision, Hearing, Prescription, International Travel

Prescription: Medicare Part D, Employer Group and Individual, coverage restrictions, financial assistance

Long Term Care: Annual policy reviews, coverage and premium considerations, claim filing and appeals, using benefits to transition to next levels of care, etc.

Disability: Medicare short/long term, filing for Social Security benefits, claims and appeals, Medicaid

New to Medicare: Considering options—enrollment process, late enrollment penalties, cost/benefit analysis, Medicare supplements, secondary insurance, prescription coverage, maximizing coverage/minimizing cost

Claims: Filing claims for benefits, appealing denied claims, reviewing explanation of benefits, reconciling claims and coverage, patient and provider support

Click the links below for other FAQs

General FAQ

What is a Patient Advocate?

FAQ: New to Medicare

FAQ: Patients and Family

FAQ: Healthcare Professionals

FAQ: Businesses

FAQ: Prescription Drug Assistance

 

 

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