833-905-1060
TURNING 65?
We can help navigate Medicare and Retirement
Navigating Medicare can be confusing and sometimes overwhelming. There are many factors to consider based on your health, budget, and employment/retirement status. We provide unbiased education and assistance in helping you understand them all. Our advisors help you understand:
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Original Medicare basics
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Your multiple health plan options
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How to avoid penalties
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Enrollment timelines
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If you qualify for the Medicare Savings Program or Low-Income Subsidy programs
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Original Medicare enrollment if you're still employed and insured
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How a Medicare health plan will compare in cost and coverage as compared to your employer group or retiree plan
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401K Rollover Options
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Annuities
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Downsizing & More
If you want to help, you can call 833-905-1060 to set up an in-person or over-the-phone appointment.
Get your FREE copy of the Comprehensive Guide to Turning 65 to help with all your Medicare and retirement needs.
MEDICARE BASICS
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Medicare Part A
Hospital Insurance
PART A: Is Hospital Insurance. It is offered to those who paid Medicare taxes while working. For most, it is not necessary to pay a monthly premium for the coverage. Includes: -Inpatient Hospital Care -Skilled Nursing Care -Hospice Care -Home Health Care
Medicare Part B
Medical Insurance
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PART B: Is Medical Insurance. It covers 80% of all medical costs not covered by Part A. However, unlike Part A, you need to elect Part B when you turn 65. Part A and B together make up Original Medicare. Includes: -Doctor Visits -Lab Tests -Medical Equipment -Preventative Services
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Medicare Part C
Medicare Advantage
PART C: Medicare Advantage. These plans are offered by private insurers and approved by Medicare. They often provide extra benefits and access to Part D coverage. -Includes Part A and Part B -Usually includes Part D -Includes additional benefits such as Vision, Dental, Hearing, Over-the-counter allowances, Fitness, and others
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Medicare Part D
Prescription Drug Coverage
PART D: Prescription Coverage. You get a prescription drug plan from a private company approved by Medicare. Prescription drug coverage is optional, and members who want to receive the benefits must pay a monthly premium.
MEDICARE
ADVANTAGE
Most Medicare Advantage plans come with $0 to low monthly premiums. During our Medicare Benefits Review, we will look at your Doctors and Medications to see if a plan is tailored to your specific needs. Ultimately, we want to ensure you receive all the benefits you deserve.
HOSPITAL
INDEMNITY
Hospital Indemnity Plans provide additional coverage for hospital stays and cancer treatment reimbursements. They have affordable monthly premiums and provide peace of mind if the worst happens.
MEDICAID & ORIGINAL MEDICARE
If you're currently on Original Medicare and Medicaid, we can review multiple options providing the ultimate coverage and benefits, all at $0.
PRESCRIPTION
DRUG COVERAGE
We can look at stand-alone PDP or we could find an overall plan to save you money with additional benefits.
MEDIGAP/MEDICARE SUPPLEMENT
We will review your options if you are on a Medigap/Medicare Supplement. Depending on the time you have been on the supplement and your premium costs, we will check and see if there is another alternative to save you money.
NEW TO MEDICARE/TURNING 65
When you are nearing or entering Medicare we work with you to determine your best coverage options. There are many misconceptions when it comes to Medicare and we ensure you receive precisely what you need for your unique situation.
VA, TRICARE, VETERAN BENEFITS
First, thank you for your service or the service of your loved one.
If you go to the VA or on Tricare, many options are available to maximize your overall benefits.
ANNUAL
MEDICARE REVIEW
No matter which option you have or think you are interested in. Our Advisors review the plans and your situation to determine what is right for YOU. We also do this in person by setting up an appointment.
More importantly, as our client, we do this yearly for you since plans, premiums, benefits, networks, and coverage change.