Planning for retirement

Many baby boomers continue to work past their 65th birthday and have group insurance at their workplace. However this is not the best option in some cases.

I encourage everyone of Medicare age to carefully compare the coverage they have at work with coverage they are able to obtain on their own. In many cases the coverage available with a traditional Medicare supplements is more complete and cost less than group coverage obtained through employment.

I have met with many people that are continuing to work just to qualify for insurance. Prospective clients come to find out what is available for health coverage and learn that they can enroll in a plan that covers all of their medical expense with one low monthly payment, no co-pays and no deductibles. They have been surprised that coverage of this kind is available and affordable.

If a person has had continual coverage at work since becoming Medicare eligible they are qualified for a plan regardless of their health. They have been cautioned by their HR department that if they leave the group coverage they will not be able to return. This can be very disturbing to people that have pre-existing conditions. They are very excited to learn that coverage is available at an affordable price. This coverage is usually more affordable since many employers are force to have plans with very high deductibles in order to provide coverage at all.

I encourage anyone of Medicare age or approaching it to give me a call to explore your options. You will be pleasantly surprised by the coverage available.

I have been studying Medicare, Medicare Advantage and Medicare Supplement health plans and I am amazed at the menu selection that exists in the marketplace. Everyone’s needs are different. There is absolutely no cost to you for meeting with me to discuss your options and finding a plan that meets your needs outside of Employer coverage.