A lot has been going on with artificial intelligence recently. It’s helping people do everything from organizing their entire lives to making silly images for their social media accounts. Some have even started using AI to scour the internet for the best Medicare plans. But is it a good idea? When it comes to AI and Medicare, there’s nothing that can replace a real, human, local broker.
The Limitations of AI and Medicare
AI is great, but it has its fair share of limitations. Which is why when it comes to AI and Medicare, it’s not always the best choice.
Lack of Personal Context
It might sound like it’s learning, but AI doesn’t know you. And finding the best Medicare plan is a very personal endeavor. AI will pull general information based on your zip code, but it doesn’t really know you. It doesn’t know your specific doctors, preferred pharmacy, health history, or personal risk tolerances. Its “recommendations” are really just an educated guess.
Possible Misinformation
AI models are also known to generate incorrect or misleading information. It doesn’t have a gut to tell it which sources are accurate and which ones aren’t. One mistake about a Medigap enrollment deadline, for example, could lead to a permanent enrollment penalty, and Medicare won’t reverse the blunder just because you used AI.
No Ongoing Support or Advocacy
Getting the right Medicare plan is an ongoing project, one that might come with confusing questions, denied claims, and potential changes. When you mix AI and Medicare, you don’t get the ongoing support or advocacy you would from a human broker. It’s a one-time tool for gathering information.
So down the road when you get a bill you don’t understand, AI won’t be able to walk you through it. A broker serves as your advocate long after you’ve enrolled, helping you through whatever issues may arise.
Data Privacy Concerns
Applying for Medicare coverage often means you have to provide sensitive, personal information, like your health conditions and prescriptions. A human knows not to share such information, but does AI?
When you input your information into an AI tool, you can’t always be certain where it goes after that or how it’s being used, stored, or protected. Mixing AI and Medicare isn’t always safe for your personal information.
Inability to Explain Complex Details
Sure, AI can define various terms like out-of-pocket maximums and prior authorization rules, but it can’t explain them in a way that applies to your unique situation.
For example, it could tell you the difference between an HMO vs. EPO, but it couldn’t apply each to your life or help you weigh the pros and cons in a meaningful conversation. All the various types of Medicare exist for different types of people, and the only way you can find out which one is right for your unique situation is to work with someone who can actually learn about your situation — like a local human broker.
Why You Should Work with a Local Broker
All the reasons that you shouldn’t choose AI to find a Medicare plan is exactly why you should work with a local broker.
For starters, humans are good listeners. And a local broker will be able to sit down with you, listen to your unique needs, and answer any and all your questions based on your background. They can make sure your doctors and prescriptions are covered under a certain plan.
AI’s knowledge base is the entire internet. And while that might be impressive, what does nationwide Medicare information have to do with your search in Nevada? A local broker is just that: Local. They have in-depth local knowledge to understand the specific healthcare landscape in your area, like which hospitals and medical groups have good reputations or which plans have strong local provider networks. Your healthcare is going to be local, so it makes sense to work with a broker who’s local, too.
And when AI is done with your search and you shut the computer lid, its support ends. But not with a broker. A good broker doesn’t disappear after enrollment. They stick around to help you through any issues that might arise, like dealing with denied claims, understanding bills, or navigating the annual enrollment process. They’re your trusted advisor for the long-term.
Finally, it’s always best to work with an independent broker because they can provide unbiased, comprehensive comparisons. Unlike AI or company brokers, independent brokers can show you options from multiple providers, not just ones from a single company. The result is a Medicare option that fits your needs and budget.
Find Your Medicare Fit with Health Benefits Associates
It might be tempting to mix AI and Medicare. Sure, it can find definitions and give you a checklist comparing plans, but it can’t give you the personalized service you need to find the perfect plan for your needs.
At Health Benefits Associates, we know what goes into finding the right Medicare plan. Our team of local advisors know the Medicare landscape and can offer you personalized suggestions to suit your needs and budget. Contact us today at 775-828-1216 to schedule an appointment with a real, human advisor. We look forward to hearing from you!