MEDICARE SUPPLEMENTAL INSURANCE

BRIDGING THE GAP

Medicare provides medical insurance to those who are 65 and older or who are disabled, and it’s the primary resource for covering some healthcare costs in retirement. By the time most people reach retirement, they have been paying into Medicare their entire working lives. However, it only covers 80% of medical costs, leaving you with 20% of the bill, in addition to any unmet deductibles, coinsurance or copayments.

Even a healthy couple retiring in a reasonably positive economic climate costs hundreds of thousands of dollars to cover healthcare expenses — that’s including Medicare coverages and excluding long-term care expenses. That means one illness can derail your retirement forever, resulting in lifelong medical debt. There’s a lot to consider, from the likelihood of frequent doctor or hospital visits to whether you have future travel plans. That’s why a Medicare supplement is a necessity. Understanding your Medicare plan options is a good place to start mapping out a retirement income budget that covers potential gaps.

NAVIGATING THE PROCESS

Navigating the journey from enrollment in Original Medicare to choosing a Supplement (Medigap Policy) and a Prescription Drug Plan is smooth sailing when you have an experienced navigator who has your best interest at heart. There are parts, plans, options and more to wade through and choose from.

Whether you are new to Medicare (age 65 and older) or are already enrolled but paying too much, let us do the navigating for you. Our service is completely free to you. Once you are enrolled in a Med Supp, the chosen company takes care of us.

Supplements may be replaced any time of year — not just during the Annual Enrollment Period — so why wait?