Help My Medicare

Surgeon in blue surgical gown binds the mouthguard for an emergency

Do I have to change doctors?

This is one of the top concerns for anyone contemplating switching to Medicare. In most cases that answer is “no, you do not have to change.” The simplest way to know for sure is just ask your current doctor(s) if he or she takes Medicare. And be specific! Do they take both Original and Advantage? If they only take Advantage, which plans do they take? According to the Kaiser Family Foundation, an independent healthcare research agency, more than 9 out of 10 primary care physicians take Medicare.  

Statistics help, but what it really boils down to is your doctor’s choices. Just ask. Many doctors allow their existing patients to roll onto Medicare and continue seeing that doctor. But some will not accept new patients who are already on Medicare. This second dynamic can be important when you need a specialist… like an orthopedist for a knee surgery. Ask if the office is taking new patients. If they are, ask if they take Medicare and what kind. You can also get these answers by looking on the physician’s website.

If your doctor does not take Medicare and you really don’t want to change, ask what fee arrangement they are willing to work for you.  You can still see them, but you will probably have to pay more than if you went to another doctor who did take Medicare.

Can you guarantee I'll save money on a drug evaluation?

No – we can only determine what money if any, you might save after checking your medication list. We can absolutely promise peace of mind. If there’s money to be saved, we’ll find it. Each year, roughly half of our clients need to switch Part D plans, and they typically save $1,000 – 3,000.

I don't live in Texas. Can you help me?

Absolutely. HMM offers remote Medicare help for clients in all 50 states. We can also help adult children in one city/state manage Medicare coverage for their parents in a different part of the country.

My wealth management clients are usually high net worth individuals. Why would saving a few dollars on drugs make a difference to them?

There is no price tag on peace of mind, and for many, the anxiety itself is very costly.

You might only meet your clients a couple of times a year for a portfolio review, but they go to the pharmacy every month or every quarter. They get anxious when confronted with the cost of their medications. Nobody likes to pay more than they have to, even if they can afford it. With HMM, you provide them with confidence and peace of mind. These things have value regardless of the size of their portfolio.

Can you guarantee my employees will choose Medicare over the group policy?

No – but we can guarantee that they will leave the seminar with a far greater understanding of their options. This improves their ability to make an informed choice, which in turn increases the likelihood that they will switch to Medicare. In some cases, it is not in their best interest to leave the group policy! HMM seminars help them decide what is best for them.

Lucy Higginbotham

Since assuming control of HMM following the original founder’s retirement, Lucy Higginbotham has discovered a new passion for helping clients save money on healthcare coverage. Helping people alleviate apprehension and confusion as they enter Medicare is a rewarding feeling that never gets old.

A 7th generation Texan from San Antonio, Lucy is a devoted wife and mother as well as a passionate follower of Jesus Christ. She enjoys hunting, helping others, and spoiling Fezzick, her family’s black Labrador Retriever.

Before assuming her leadership position at HMM, Lucy was a published journalist and the Vice President of Product Development for Higginbotham, Inc.