Which Medicare Option Is Best For You?
Change... We keep talking about it because it's so important today. If you're age 65 or over and either on or getting ready to go on Medicare, you need to pay attention!
There have been more changes with Medicare in the past two or three years, than since Medicare began more than forty years ago!
There are now four parts to Medicare: A, B, C, and D...
Medicare Beneficiaries
All of these areas are important....
The question is: How can you plan for all of these areas without going broke?
Three Cornerstones of Healthcare
Healthcare during retirement used to mean having coverage to pay for hospital and medical bills.
The diagram below gives you some idea about how healthcare is really working today. There are three sides to healthcare during retirement
In the center of the diagram are the assets that took a lifetime to accumulate for retirement. The key to building a successful healthcare plan is creating a solid wall of financial support on all three sides to ensure that the assets that took a lifetime to accumulate are protected.
Which Medicare option is right for you depends on your situation and should be discussed with an advisor who has access to all of the different options available to you.
Things to consider:
- How much medical care you are receiving on a regular basis?
- Where do you live? Not all plans are available in all areas, and some are more widely accepted than others.
- Affordability. For some, this isn’t an issue. For those who are on fixed incomes, this can be vital. Many could qualify for government programs that they aren’t aware of.
Whatever plan you choose, it will need to be reviewed annually to ensure that you are getting the right plan and the best value for your situation. Again, things change very quickly, and very often. The key is to be prepared.
For more information, please visit: http://www.medicare.gov
ARC Advisors Portal
Here are some of the options offered by ARC:
Medicare Supplement
Great American Life Ins. Co.
AARP
Mutual World
Guarantee Trust Life
Equitable
More!
Medicare Advantage
United Healthcare Medicare Solutions
AARP Medicare Complete
Coventry Advantra Freedom
Today's Options
Evercare
More!
Other Supplemental Produts and Dental
Great American Life Ins. Co.
Continental General
Guarantee Trust Life
Equitable
Security Life Ins. Co.
More!
Healthcare
Solutions
Healthcare Solutions for People under age 65
Traditional Medical Care
Hospitalization, Dr.'s visits, surgical fees, etc... These expenses are of the type we usually think of when we think of medical care.
Prescription Drugs
The challenge with prescription drugs is usually the fact that the drugs involved are "maintenance drugs" to treat chronic conditions and usually
represent an expense month after month for an extended period of time.
Long Term Care
This could be skilled care during a long term recuperative situation, or a long term degenerative situation.
Would you be better off with original Medicare and a traditional Medicare Supplement?
Advantages include:
Portability... You can go to any doctor, hospital, or medical provider.
And... A Medicare Supplement is designed to pay the deductibles and co-payments in Medicare A and B, so you should have very little out of pocket expense.
Of course, premiums vary and it's important to get the right plan for you. Let ARC find the best rates for you!
Let us work for you!
ARC will help you find the best plan for your specific situation!
Help
Do you need individual coverage? Are you an employer looking for group coverage? Are you retired and not ready for Medicare yet? Whatever your circumstances, ARC can help. Please use the links below to get an online rate quote!
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American Retirement Counselors
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