Medicare
Are You Confident in Your Medicare Plan?
Medicare can be confusing, and the wrong plan could cost you thousands in out-of-pocket expenses. Are you sure you’re getting the coverage you need?
Financial Questions About Retirement?
Ask Yourself These 5 Questions Before Choosing a Medicare Plan:
Do you know the difference between Medicare Advantage and Medicare Supplement plans—and which one is right for you?
Medicare Advantage Plans(Part C)
Medicare Supplement Plans
- Lower monthly premiums but higher out-of-pocket costs when services are used
- Higher monthly premiums but lower out-of-pocket costs when receiving care
- Uses provider networks (HMO or PPO), meaning you may need to see in-network doctors
- No provider networks – See any doctor or hospital that accepts Medicare
- Copays, coinsurance, and deductibles vary depending on the plan
- Predictable costs – Covers copays, coinsurance, and deductibles depending on the plan
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- Includes extra benefits like dental, vision, hearing, and wellness programs
- No extra benefits included – Dental, vision, and hearing must be purchased separately
- Most plans include prescription drug coverage (Part D)
- Does NOT include prescription drug coverage (Part D) – Must be bought separately
- Requires referrals for specialists (HMO plans)
- No referrals needed – See specialists without restrictions
- Limited coverage when traveling outside of the service area
- Great for travelers – Coverage applies nationwide
- Annual plan changes – Benefits, costs, and networks may change each year
- Plans remain the same each year – Guaranteed renewability as long as you pay the premium
Medicare Advantage (Part C)
- Lower monthly premiums but higher out-of-pocket costs when services are used
- Uses provider networks (HMO or PPO), meaning you may need to see in-network doctors
- Copays, coinsurance, and deductibles vary depending on the plan
Read More
- Includes extra benefits like dental, vision, hearing, and wellness programs
- Most plans include prescription drug coverage (Part D)
- Requires referrals for specialists (HMO plans)
- Limited coverage when traveling outside of the service area
- Annual plan changes – Benefits, costs, and networks may change each year
Medicare Supplement Plans
- Higher monthly premiums but lower out-of-pocket costs when receiving care
- No provider networks – See any doctor or hospital that accepts Medicare
- Predictable costs – Covers copays, coinsurance, and deductibles depending on the plan
Read More
- No extra benefits included – Dental, vision, and hearing must be purchased separately
- Does NOT include prescription drug coverage (Part D) – Must be bought separately
- No referrals needed – See specialists without restrictions
- Great for travelers – Coverage applies nationwide
- Plans remain the same each year – Guaranteed renewability as long as you pay the premium
Are you prepared for unexpected healthcare costs in retirement?
Medicare plans change annually, and so do your healthcare needs. If you haven’t reviewed your plan recently, you might be overpaying or missing out on changes in:
- General Coverage
- Drug Coverage
- Dental and Vision Care
A quick review can help ensure you have the best coverage at the lowest cost.
Does your plan cover the doctors, hospitals, and specialists you prefer?
Not all Medicare plans include your preferred providers. Network restrictions in Medicare Advantage plans and changing provider contracts can affect your access to care. Checking your plan annually ensures that you can continue seeing the doctors and specialists you trust without unexpected costs.
Are you paying too much for prescriptions, or missing out on lower-cost options
Prescription drug costs can vary significantly depending on your Medicare plan. Many people overpay because they aren’t aware of lower-cost alternatives, discount programs, or plan options that offer better coverage. Reviewing your Part D or Medicare Advantage drug plan can help ensure you’re not spending more than necessary.
Have you reviewed your Medicare plan recently to ensure you’re not overpaying or missing out on benefits?
If you’re unsure about any of these questions, don’t wait until it’s too late to make a change. Let’s review your options and ensure you have the right Medicare plan for your needs.
If you’re unsure about any of these questions, don’t wait until it’s too late to make a change. Let’s review your options and ensure you have the right Medicare plan for your needs.
Schedule Your Free Medicare Consultation Today
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