Health Insurance
If a comprehensive employer-sponsored health care plan covers you and your family, you are probably one of just a few lucky Americans today! Changes to the healthcare system and sky-rocketing costs to cover even basic healthcare needs mean that even Blue-Chip companies are scaling back on employee healthcare coverage.
Now more than ever, individuals and families need to plan their health insurance needs carefully and will likely face substantial out-of-pocket costs in their time of need.
Why Health Insurance Planning Is Important For Individuals & Families
America’s health care system isn’t the most user-friendly to negotiate. Legislative changes have attempted to simplify things, like the Affordable Care Act and the Consolidation Omnibus Budget Reconciliation Act (COBRA). However, ordinary Americans still find navigating the plethora of rules, laws, by-laws, and statutes challenging.
Therefore, having professional health insurance planning advice can often mean the difference between making the right healthcare insurance choices and paying for healthcare coverage that isn’t right for you and your family.
Medicare
When someone reaches Medicare eligibility, or age 65, Medicare is often their only health insurance option. If the retiree is already taking their Social Security Benefit, they are inundated with direct mail and phone calls offering various health insurance plans. Navigating Medicare by yourself can be a daunting task.
Many things to consider when choosing a Medicare Plan:
- What is the difference between Medicare Part A and Medicare Part B, and how much do they cost?
- When can I sign up, and how?
- What is the difference between a Medicare Advantage Plan and a Medicare Supplement Plan?
- What is a Medicare Part D Plan?
- Do I need to shop my plan each year, and how do I do that?
We can help you find a Medicare path that fits your needs.
