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6 • OCTOBER 2020 - Senior Voice of Hernando County

Best Plan Choice: An Advocate for

All Your Health Insurance Needs

Many seniors are cautious about change – especially when it comes to their health
insurance. A few years ago, a retired military veteran, Paul, landed in the hospital with a
diagnosis of acute COPD. At the time of his discharge he knew he was going to need oxygen
delivered to his home. He was told his VA benefits would cover all his expenses and there
was no need to enroll in Medicare Part B. Paul eventually found out the VA would not cover
the cost of delivering his oxygen. Because he was unable to drive and pick it up himself, he
was struggling every day to breathe comfortably.

Medicare Part B covers things like physician services, outpatient hospital, and medical
equipment, and currently costs about $145 per month. If you don’t enroll in Medicare Part B
when you are first eligible, you may incur a premium penalty.

Paul was facing bills for the cost of delivered oxygen and couldn’t afford to pay the late
enrollment penalty for Medicare Part B. He needed professional help quickly.

Paul’s friend had recently been helped by Best Plan Choice. He referred Paul to the insurance
agency because they specialize in Medicare coverage. The agents of Best Plan Choice, led
by Michael Crotts, are licensed and trained to enroll beneficiaries into Medicare health plans.

“When I met Paul, he was struggling to breathe, having trouble getting his oxygen delivered,
and facing Part B penalties. I knew I could help him, but he was frustrated and angry about
his past experience,” said Michael Crotts owner of the insurance agency.

Over numerous conversations, Paul got to know Michael by asking a lot of questions. He
appreciated that Michael was helpful and not just pushing to enroll him in a Medicare plan. Paul eventually asked Michael for
help picking a plan and reducing his Part B expenses.

Michael was able to enroll Paul into a Medicare Advantage plan specifically created for individuals with COPD. The plan
offers delivered oxygen at no charge and includes medical management programs for his chronic condition. Because the
plan offers a monthly rebate, it reduces the Part B premium and penalty taken monthly from his Social Security.

Paul said, “I found Michael to be honest. Everything he said he would do, he did. If he said, ‘I’ll be there tomorrow,’ he would
show up on time. If ever I need help, I don’t hesitate to call Michael and he is there for me.”

Many of his customers refer to him as “Medicare Mike” because of Michael’s extensive knowledge of Medicare insurance
options. Michael is a Licensed independent agent and founder of Best Plan Choice insurance agency, which specializes in
Medicare and other insurance products. Many of their life insurance products do not require a medical examination.

Michael shared, “my job is to find the best plan for my client’s individual needs.”

Due to COVID, we are offering video conference seminars, enrollments by phone or email, and lots of outdoor meetings,”
said Michael. “Medicare benefits change every year and we want people to have access to the information in a safe manner
so they can still make the best choice for their Medicare coverage. We remain available seven days a week to our customers
and the people they refer to Best Plan Choice.” As you can read in Best Plan Choices’ FIVE STAR Google ratings, “friends
become clients, clients become friends.”

Best Plan Choice can be reached at 352-815-5297 or by visiting www.bestplanchoice.com.