How Local Insurance Agencies Help Maximize Your Medicare Benefits

Local insurance agencies offer unique insight into Medicare tailored to your community’s needs.

Bowthorpe Insurance, located in Bountiful, Utah, understands Utah’s provider networks and regulations. That local perspective helps you maximize benefits, limit costs, and avoid coverage gaps. Working with an agent from Bowthorpe gives you more clarity—and fewer surprises—as you navigate Medicare.

Know What You’re Signing Up For

Medicare has four parts. If you rely on general info, you could end up under covered or paying too much. Here’s what each part really means:

Medicare Part	Covers
Part A	Hospital stays, skilled nursing, hospice, some home health
Part B	Doctor visits, outpatient care, preventive services
Part C	All A & B plus extras like vision, hearing, dental
Part D	Prescriptions
Medigap	Covers coinsurance, deductibles not in original Medicare

Bowthorpe agents in Bountiful walk you through each part. They help you compare Original Medicare, Advantage, and supplement options to match your health and budget.

Busting Common Myths

• “Medicare covers everything.” Not true. Dental, vision, long‑term care, and hearing are often excluded.

• “Once enrolled, you're set forever.” Enrollment periods matter. Missing them could cost you in penalties or coverage delays.

• “Any plan is fine.” Plans vary wildly by provider networks and formulary. Picking the wrong one can mean higher costs or fewer benefits.

Bowthorpe agents help you spot and avoid these pitfalls before they become costly problems.

Local Agents, Local Insight

Personalized Assessments

Bowthorpe provides a one-on-one review. They look at:

• Your current health status.

• Preferred doctors and pharmacies.

• Typical medication needs.

• Plans for travel or lifestyle changes.

With that info, agents suggest plans that work uniquely for you.

Community Connections

Bowthorpe collaborates with:

• Bountiful-area doctors, hospitals, and clinics.

• Local wellness programs and senior centers.

• Nearby pharmacies offering cost-saving options.

They guide you to services that complement your plan, making care easier to access.

Finding the Right Supplemental Plans

Medicare Advantage (Part C)

In Bountiful, some Advantage plans include:

• Vision exams, glasses, dental cleanings.

• Gym memberships.

• Hearing aid benefits.

Bowthorpe agents compare these extras side by side, so you see which plans offer real value for your lifestyle.

Part D: Prescription Drug Plans

Costs can vary widely depending on which drugs you take. Bowthorpe:

• Reviews your current medication list.

• Matches you with plans whose formularies favor your drugs.

• Alerts you to lower-cost pharmacies in your area.

Year-Round Support

Bowthorpe offers ongoing service:

• Help with claims or billing denials.

• Alerts when your prescription costs change.

• Annual check‑ins before open enrollment to see if your needs have shifted.

That steady support keeps your coverage aligned with your current health status.

Supplementary Benefits You Might Not Know About

Local agents can uncover extras like:

• Transportation services for medical visits.

• Programs for chronic disease management at Bountiful-area senior centers.

• Telehealth or remote wellness services included under Advantage plans.

Relationship-Based Care

Bowthorpe’s agents build long-term relationships.They learn your history and can act as advocates with healthcare providers.That familiarity brings peace of mind and easier communication.

Community Engagement

Bowthorpe hosts and sponsors local events in Bountiful and Davis County, such as:

• Medicare education workshops.

• Q&A sessions at senior centers.

• Community health fairs.

These events help you stay informed and meet experts face-to-face.

Choose Local

Ready to take full advantage of Medicare?

Connect with Bowthorpe Insurance at (801) 487‑2300 or visit bowthorpeinsurance.com.Our Bountiful-based agents will guide you through plan options, help avoid extra costs, and support you all year long.

FAQ

How do local agencies help with Medicare enrollment? They walk you through each enrollment period, plan options, and avoid penalties. They ensure you’re signed up correctly.

Can Bowthorpe help with doctor and pharmacy choices? Yes. They know which providers are in-network locally and can help you find pharmacies that lower your prescription costs.

What happens if my health needs change mid-year? Bowthorpe offers support year-round. We can help switch plans during special enrollment if your situation changes.

When should I contact Bowthorpe? Reach out 3–6 months before you turn 65. If you're already enrolled, contact us before open enrollment (Oct 15–Dec 7) to adjust plans.

How much does it cost to use Bowthorpe? Our services come at no cost to you. Agents are compensated by plan providers, not by clients.

By choosing a local agency like Bowthorpe, you get more than insurance. You get a guide, an advocate, and a neighbor working to help you make the most of Medicare in Bountiful.