Take care of your health
THEY STILL NEED YOU
A Medicare Supplemental or Medicare Advantage plan will give you access to excellent doctors and hospitals, while controlling costs.
When you were young...
Your biggest expense was your house and car. As you get older, your biggest expenses will be healthcare related costs - doctors visits, x-ray bills, hospital stays, ambulance rides, prescription drugs, etc. It is absolutely essential that you protect yourself from uncapped out-of-pocket costs associated with Original Medicare plan. If you don't, it could destroy everything you worked so hard for, to get to this place of retirement.
Did you know?
The #1 reason people file for bankrupcy in the United States is due to medical bills.
Protect your retirement savings from unexpected healthcare costs when purchasing a Medicare Supplement plan. One plan pays for most of your Part A & B out-of-pocket expenses. Say goodbye to deductibles, copays, and coinsurance!
Manage your Exposure
Minimize your financial exposure by purchasing a Medicare Advantage plan. You will have predictable costs and an annual out-of-pocket maximum, while getting extra benefits beyond Medicare Parts A & B.
Your expenses without a plan...
Medicare provides good healthcare coverage when you are enrolled in Medicare Parts A & B. However, you do share in the costs. They are highlighted in the table below (see the column labeled "Your Out-of-Pocket Expenses"). Purchasing a Medicare Supplement or Medicare Advantage plan will help cover some or all your these expenses and will protect your retirement dollars.
Have specific questions?
See the Medicare Handbook for specific details or contact us!
What We Do
Determine your eligibility for Medicare Parts A & B
Assess if you can qualify for a Guarantee Issued Policy
Enroll you a Medicare Supplemental or Advantage Plan
Become your lifetime personal health insurance broker, at no cost to you
So, where do you start?
There are three (3) big steps that you need to complete. Your protection from out-of-pocket expenses will range a lot depending the decisions that you make in each step. Also, decisions in each step affect options in the next step. Click on each product if you want to learn more about it.
STEP #1 - Enroll in Medicare Part A & B (Original Medicare)
LOTS OF DECISIONS!
Here is what the decision tree looks like for Step #2. You'll need to choose one path.
Prescription drug plans are tricky. Sometimes they are included in a plan, sometimes they are not. Don't walk through this process alone. Let our license insurance agent guide you so that you are properly insured.
+ MediGap + Rx
Medicare Supplemental vs. Advantage Plan
You'll need to choose between a Medicare Supplemental and a Medicare Advantage plan. Don't know which one to choose? Here are some features to think about,
the cost of the plans
the yearly limit out of pocket expenses
the benefit coverage
the provider networks
the quality of care of the private company
if and where you travel
There are no "right" answers. Answers vary by person because people see different doctors, take different medications, and have individual preferences for how to access services.