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
If you are turning 65 “or already 65 and retiring soon” you’ll have some critical healthcare decisions to make. You’ve probably received mail from dozens of insurance companies all boasting about their exceptional Medicare plans. You may be getting tons of voicemails, too. The TV and radio ads are everywhere. Unless a qualified agent explains Medicare to you, it could lead to feeling overwhelmed and confused. At Cornerstone Senior Advisors, we know how complicated all of this can be. We’re here to simplify things for you and your family so you can make an informed decision about your Medicare coverage.
As you transition to Medicare, there are some important things to know and some important steps to take.
First, know that waiting to enroll in Medicare can cause issues. For example, you might have to pay a fee and you may experience a gap in coverage. Only during certain times can you enroll in Medicare. Some people get Medicare benefits automatically, while others must apply on their own.
The first time you can enroll is called your initial enrollment period, which is seven months long. This period typically begins three months before the month you turn 65 and ends three months after the month you turn 65. If you’re already receiving Social Security benefits, you’ll be auto-enrolled into Medicare. Otherwise, you must enroll yourself.
Before you enroll, though, you’ll need to find the right Medicare coverage.
For those who are automatically enrolled, it will include only Parts A and B.
If you need Medicare Supplements, Medicare Advantage, and/or a prescription drug plan, you’ll need to enroll into the proper forms of Medicare. You can take the following steps:
It is best to have a licensed agent who knows Medicare guide you through the Medicare maze. Cornerstone Senior Advisors can help you understand what you need, finding the right product for your needs at the right price.
At Cornerstone Senior Advisors, we have experienced agents who can help you make a smooth transition to Medicare. We can also help you choose the right dental, vision, and hearing plan for your budget and lifestyle.
For expert Medicare help, call our office at (316) 260-3331.