Swift Kennedy Gives Seniors Medicare Guidance During Crisis

Many seniors wait until retirement before going on a Medicare Advantage or supplement plan because they have health insurance through their companies.  As a result, those who were recently laid off due to the current pandemic are now struggling to find suitable insurance options.

These seniors should consider consulting a senior benefits specialist at an insurance brokerage firm, according to Jerry Calistri, president and chief executive officer of Swift Kennedy & Associates, a brokerage firm that specializes in senior insurance policies, group employee benefit plans, and individual policies.

“Using an insurance broker can be invaluable for any senior, but it is especially important for those who have lost their jobs and are now faced with critical decisions that could affect their finances and health for years to come,” said Calistri.

How Brokers Can Help

Insurance brokers like Swift Kennedy inform seniors about the wide range of policies that are available from the carriers in their area and assist them in determining which options best suit their individual needs.

For example, brokers explain the differences between the various types of policies aimed at seniors, such as Medicare Advantage and Medigap plans.  They also help seniors compare plans that have lower premiums and fewer benefits with pricier ones that offer more generous benefits.

In addition, brokers provide seniors with the required paperwork, submit their applications, and follow up to ensure that their coverage takes effect on the desired dates.

The Price is Right

Insurance brokerage firms do not charge seniors for their services, because broker commissions are paid by insurance carriers rather than by individual clients.

“Most seniors are surprised to learn that they do not need to pay for our services,” said Calistri.

A Full-Service Agency

Swift Kennedy & Associates helps seniors find affordable Medicare products and provides businesses with employee benefit plans, including medical, dental, vision, life, disability, and alternative funding options.  This full-service agency, which offers all health insurance carriers in Pennsylvania, has offices in State College, DuBois, Wilkes-Barre, Williamsport, and Virginia Beach.