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Choosing a Medicare plan that is right for you is an important, but often confusing, decision for anyone retiring or turning 65. Let us help you navigate.
- Original Medicare provides the foundation of your health benefits. Original Medicare is made up of Part A and Part B and is usually paired with Part D. Part C is not part of Original Medicare and is most commonly called Medicare Advantage.
- Medicare Advantage plans can take the place of Original Medicare and supplemental plans. Under this plan, a private insurance company takes the place of Original Medicare. These plans are regulated by the Center for Medicare and Medicaid Services (CMS) but can vary greatly from county to county, and plan to plan.
- Supplemental coverage can be used with Original Medicare to eliminate any gaps in coverage. These supplemental plans are commonly called Medigap insurance policies, or Medicare Supplemental policies. The CMS has standardized these plans. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.
- Part D Plans provide coverage for prescription medications. It is very important to match a plan to your exact medications because all plans do not cover all medications equally. Check out Medicare’s Plan Finder.
- Did you know Medicare’s statute explicitly excludes coverage for custodial care – the assistance with basic activities of living (such as bathing, dressing and eating) – that defines long-term care?
Talk to an advisor about your options:
- Personal Healthcare Plan: have an expert compare your government, employer or Veteran’s benefits against your other options.
- Medicare Supplemental Coverage Report: see every company’s plan and price in your county.
- Part B and Part D Surcharges: review your Social Security account for income-related penalties (IRMAAs).
- Personalized Prescription Coverage: match your exact prescriptions to the lowest cost Part D plan available in your county.
- Written Long-term Care Plan: understand the risks of long-term care and that Medicare alone cannot protect you from long-term care costs.
- And more…
Under 65 Health Insurance
With the start of the Affordable Care Act (ACA) in 2014, many consumers found themselves confused and frustrated. The rules regarding health insurance were changing as the government enacted a number of different reforms aimed at lowering the uninsured rate and reducing the costs of healthcare.
Looking past the recent controversies, the Marketplace that the ACA created has some very special opportunities. During open enrollment consumers can work with agents and other individuals to sign up for health insurance. Insurance carriers are not able to ask health questions or limit the availability of a plan based on your health or pre-existing conditions.
Working with one of our advisors will help you understand your options. It is important to work with a knowledgeable advisor who understands subsidies, special enrollment periods and plan ratings so you can get the best coverage no matter the time of year.
*Available everywhere except Florida, Hawaii, Massachusetts, Minnesota, New Hampshire, North Dakota, and Wisconsin. We are not affiliated with Medicare or the Social Security Administration.