Guidance and support for important Medicare decisions.
Medicare Planning
Few people are planning for the transition to Medicare despite worrying about what is on the horizon. Timing is everything when you’re joining Medicare. When you turn 65 or otherwise become eligible for Medicare, you have a unique enrollment opportunity. If you wait until later to sign up, you may have fewer choices and you could end up paying more.
As an independent advisor, I can help you find Medicare coverage that matches your financial and healthcare needs.
Medicare Advantage
Medicare Part C
You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits. If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.
Medicare Supplement
Medigap
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside of the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of approved expenses for covered health care costs. Then your Medigap policy pays its share.
Prescription Drug Plans
Medicare Part D
Prescription drug coverage is available to everyone with Medicare. If you decide not to get Medicare drug coverage when you're first eligible, you'll likely pay a late enrollment penalty.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.
Dental and Vision
Ancillary Insurance
Medicare is an important part of a health care plan. However, deductibles, co-payments, and other services like dental and vision are some of the costs not included in the coverage available through Medicare. Ancillary insurance is secondary coverage that can help address some of the out-of-pocket financial exposure.
