Plans and benefits can change from year to year. It's helpful to work with someone who understands those changes and what they will mean to you. It's also important to understand what Medicare is not going to cover and to plan for those needs as well. 60% of Americans will need LTC in their lifetime, and if you don't take steps to plan for it you may be at risk.
LTC allows you to be in control of your quality of life while protecting your assets. Those reaching retirement now have different goals and options than previous generations in terms of how they see this stage of their lives playing out. In addition, living longer raises questions about the quality of the experience and where that will take place.
Conventional wisdom supports the idea that extending time in your own home can provide a sense of comfort and security when it would mean the most to you. For others, the idea of spending that time as an expat in another part of the world is their vision. Regardless of the setting, planning for your care is of paramount importance.
LTC allows you to be in control of your quality of life while protecting your assets. Those reaching retirement now have different goals and options than previous generations in terms of how they see this stage of their lives playing out. In addition, living longer raises questions about the quality of the experience and where that will take place.
Conventional wisdom supports the idea that extending time in your own home can provide a sense of comfort and security when it would mean the most to you. For others, the idea of spending that time as an expat in another part of the world is their vision. Regardless of the setting, planning for your care is of paramount importance.
Services
As we've stated before, there is no one best plan.
While, there are two main types, your current health, financial resources, lifestyle, and travel habits will influence your choice.
Medicare Supplements Also known as Medigap Plans, these augment Original Medicare.
These give you the greatest flexibility in determining where you receive care as they have no geographic restrictions.
These require a separate Prescription Drug Plan.
Medicare Advantage Plans These offer the convenience of network providers and minimal paperwork.
While, there are two main types, your current health, financial resources, lifestyle, and travel habits will influence your choice.
Medicare Supplements Also known as Medigap Plans, these augment Original Medicare.
These give you the greatest flexibility in determining where you receive care as they have no geographic restrictions.
These require a separate Prescription Drug Plan.
Medicare Advantage Plans These offer the convenience of network providers and minimal paperwork.
Many people new to Medicare search the internet for "supplemental Medicare insurance" when they start searching for insurance options.
What they are usually really looking for is information about the different types of Medicare insurance.
A Medicare "supplement" is a type of Medicare insurance that works with original Medicare.
It is also referred to as "Medigap" insurance as it fills in the "gap" for what Medicare doesn't cover, which is about 20% of the cost.
These typically require a separate Prescription Drug Plan.
What they are usually really looking for is information about the different types of Medicare insurance.
A Medicare "supplement" is a type of Medicare insurance that works with original Medicare.
It is also referred to as "Medigap" insurance as it fills in the "gap" for what Medicare doesn't cover, which is about 20% of the cost.
These typically require a separate Prescription Drug Plan.
I am an independent insurance agent specializing in health care options for Seniors.
My independence gives me the ability to match a plan with your needs and budget.
There is no one "best" plan.
While there may be several basic types of plans, there are differences which only a specialist knows how to maximize the benefits to your unique needs.
Using me to help you choose the right plan doesn't add any cost to the solution.
It just insures you make a wise decision based on the available options and your own circumstances.
My independence gives me the ability to match a plan with your needs and budget.
There is no one "best" plan.
While there may be several basic types of plans, there are differences which only a specialist knows how to maximize the benefits to your unique needs.
Using me to help you choose the right plan doesn't add any cost to the solution.
It just insures you make a wise decision based on the available options and your own circumstances.
Reviews
Be the first to review Steve Cambron SC Insurance.
Write a Review
