McMicken Insurance Services is a family-owned independent insurance agency that specializes in Medicare health insurance plans. Since 2008, our independent agents have been successfully helping seniors navigate the often-difficult task of choosing a Medicare health plan.
Local company with an un-biased approach:
Whether you are doing research for a relative, for preparation for Medicare eligibility, or you are ready to explore Medicare health plans, our company is the best place to start. As an independently owned insurance company, we have the advantage of being able to impartially shop those competing for your supplemental coverage. Shopping the competition ensures that you are left with a plan that not only fits your medical needs but your financial needs as well. While it seems like similar plans would come with similar price tags, this is not always the case, and the costs of plans can vary drastically between providers. We will quickly compare competing policies to get you not only the best Medicare health plan but also the best-priced plan. Another advantage to not being tied to one insurance provider specifically is that we are always more concerned about meeting the needs of your situation than working out how to force you into the mold of a provider.
Are my doctors and prescriptions covered?
Finding the best Medicare health plan to fit your medical and financial needs is particularly important to us, but there are other factors involved in your decision that sometimes gets overlooked. No one likes to change a doctor that they are happy with and getting a surprise costly bill at the pharmacy is no picnic either. Our agents will take the time to research all the doctor networks to make sure your doctor participates with the insurance companies you are comparing. We also have insurance company drug formularies at our disposal to assure not only if your drug is covered, but how much it will cost.
In person or telephone appointments:
McMicken Insurance Services is a local agency, so we prefer to meet our prospective clients face to face to explore your Medicare options. We do in home presentations or another place of your choosing. All agents strictly adhere to COVID-19 guidelines for social distancing but if you prefer, we are happy to assist you over the phone or through internet.
Post enrollment benefits:
Once you have enrolled into your Medicare plan, our services will continue with the same one on one personal experience from your local agent. As an independent agency, its our job to make sure that you are well informed on any changes to your Medicare health plan and that you have the proper support for any issues that may arise. The Medicare annual enrollment period is October 15th through December 7th every year which allows you to change your Medicare health plan. At that time, we compare the different Medicare health plans and make sure that your current plan still fits your medical and financial needs. Your agent is just a phone call away so we can help you with questions or concerns that may come up such as pharmacy issues, payment of claims, denial of services, as well as general questions.
An Independent Advantage
We are Independent Agents in , New York, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. McMicken Insurance Services represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.