October 16, 2018



Hello all!


Long time, no talk to! I hope you have been doing well, with all of the storms and various things going on. Well, AEP is upon us and now the commercials and misinformation is out there in full effect.  Before you make any changes to your current policy, talk to someone that has your best interest at heart. The free plans are Medicare Advantage plans. They do have their place and provide great benefits, as well as other benefits, but they are not "FREE  MEDICARE”- you may not have a premium, but you will have to pay for it. Here is my advice when speaking with someone:


1.     Ask questions, lots of questions.

2.     Get everything in writing, you have until Dec.                  7th to make any changes, so there is time.  If the            person will not provide anything in writing, there is          an issue.

3.     Take your time. You need to make sure the plan is          going to work for you.  If the person your are                    talking to is being pushy, or tells you it is going                away and the offer is for that day only, walk away.

4.     Remember, you are in charge. This is about you              and your coverage. If you drop a supplement to go          on an Advantage plan, you may not be able to go            back to the supplemental plan down the road.                  Please keep that in mind.

5.     Make sure your doctors and prescriptions are                  going to be covered and verify the costs.


If you would like to have a no-pressure, hassle-free conversation about your coverage for next year, please feel free to give me a call, or send me an email. I would love to go over your options and give you the information you need to make the best decision for you.


As always do something nice for someone just because.

All the best,



Randall J. Lawson


The HgO Group

803-851.0219 office

National Producer Number #9276045


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