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One of the most confusing issues, not just to my clients, but to millions of Americans, is without a doubt, Medicare! It should be a simple thing. You turn 65, and you get this great (socialized) coverage from Uncle Sam which covers you for everything, for free, forever. Right? Well, no. Now that you're near the age to get this coverage, or already have it, allow me to alert you. It's really not that simple. Medicare won't cover you for everything. Moreover, depending on your future health, you may be at risk for unlimited financial exposure!
Not exactly. Medicare (also called "Original Medicare") is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under the Part A and/or Part B of Medicare benefits (see guide below). However, and this is huge, Medicare isn't designed to cover Prescription Drugs, Dental, Vision and a lot of other things you may need as you age. So if you are looking for more coverage than Original Medicare, you can purchase your choice of Medicare Advantage Plans to receive all of your Part A and Part B benefits, prescription drugs and much more. Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.
As you may already know, seniors are in the most need of health care and the right healthcare insurance. Without it, they will can find themselves financially devastated if a claim where to arise. But once someone retires, those monthly premiums can become hard to maintain. Enrolling in a Medicare program when you're eligible (the 3 1/2 months surrounding your 65th birthday) allows you to get most of the care you need at minimal cost. However, as many of you who are still reading this are aware, Medicare can be a real bitch to comprehend! And there are a ton of moving parts! Much more than I can mention here. Use us, or find someone you trust, but I won't suggest trying to navigate this alone. You have options.
To sign up for Medicare, you can call Medicare 24 hours a day by dialing 800-MEDICARE, or go to their website at https://www.medicare.gov For more customized service, feel free to contact us now and learn more about comprehensive top-quality coverage options. We will be happy to work with you and determine which Medicare options work best for your lifestyle, health and budget.