How to determine which Medicare plan is right for you!
When it comes to choosing a Medicare plan, you have several choices. This is a good thing
Medicare is a national health insurance program for folks who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.
If you’re turning 65 soon, you’ll have some critical healthcare decisions to make.
Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.
Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.
Medicare Part D is coverage for prescription drugs that you get from a retail pharmacy. With this program, you can access medications at more affordable rates. Plus, it provides insurance against unfavorable drug costs.
It can be challenging to figure out which Medicare plan will fit your budget and healthcare needs. However, our agents specialize in Medicare, and we want to help you compare your options. Regardless of your budget, there’s a plan available for you!
Annuities are essentially financial cushions that help alleviate financial concerns. An individual will pay an insurer a certain amount of money, and in return, the insurer will pay the individual back with a lump sum or through payments at a later date.
Medicare can be confusing and overwhelming. At Cornerstone Senior Advisors, we walk people through the process of Medicare every day to find the right plan at the right price.
At Cornerstone Senior Advisors, we specialize in helping you find the best Medicare supplement for YOUR needs. If you have a question, comment, or concern, we want to hear from you!
There are a few ways to get in touch. You can fill out the contact form, send us an email, or call our office.
As independent insurance agents, we have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
The Cornerstone blog covers a wide range of topics — from Medicare Advantage news to retirement planning tips, and much more.
When it comes to choosing a Medicare plan, you have several choices. This is a good thing
You deserve to enjoy your retirement because you’ve worked hard to achieve your goals. While you may have stopped working, you can still earn income through certain investments and other sources. The agents at Cornerstone Senior Advisors want to help you retire happy and enjoy this new chapter in your life!
One way you can generate cash flow for retirement is through annuities. These are investments that pay regular income either instantly or in the future. You can purchase an annuity with a flat fee or a series of payments. The income you get from an annuity is taxed at standard income tax rates.
Annuities are flexible. Usually, this is how they work:
People buy annuities because they desire and deserve a guaranteed source of income that isn’t susceptible to market fluctuations. Annuities have a distinct advantage over other investments. Unlike mutual funds, stocks, and bonds, annuities offer predictability and guaranteed income.
Annuities can provide additional benefits, which can include:
There are many types of annuities that you can buy through an agency like us. They are:
Fixed Annuities pay a determined interest rate no matter how the financial markets perform. If you’re looking for a risk-free, sure-fire rate of return and want to delay paying taxes on your earnings, consider fixed annuities.
Variable Annuities let you pick from an array of investments and pay you income in retirement based on how the stakes grow. They may provide optional living benefits that guarantee retirement income.
Indexed Annuities pay an interest rate based on specific market indexes, like the S&P 500. These annuities give buyers a chance to benefit when the markets do well.
Usually, annuities are purchased by retirees and those planning for retirement. Sometimes people buy them if they get a large legal settlement. People also buy annuities when they write their wills.
Millions of people use annuities to create protected income and help their retirement savings grow. For all your questions about annuities, call Cornerstone Senior Advisors at (316) 260-3331.