Medicare
Medicare is an important part of retirement planning, but understanding the available coverage options can be challenging. Choosing the right plan involves more than comparing premiums. Provider networks, prescription drug coverage, deductibles, copayments, travel needs, and potential out-of-pocket expenses can all affect your healthcare costs and retirement income.
Our Medicare planning process helps you understand the options available, including:
- Original Medicare Parts A and B
- Medicare Supplement, or Medigap, plans
- Medicare Advantage plans
- Medicare Part D prescription drug plans
- Employer, retiree, military, or other supplemental coverage
- Dental, vision, hearing, and additional benefit options
Working with a licensed Medicare expert who is appointed with the major insurance carriers allows you to compare plans from multiple companies rather than being limited to a single provider. Your Medicare expert can review your doctors, prescriptions, preferred pharmacies, healthcare needs, budget, and travel habits to help identify coverage options that may be appropriate for your situation.
Medicare planning should not end when you first enroll. Plans, provider networks, formularies, premiums, and personal healthcare needs can change from year to year. Reviewing your coverage regularly can help ensure your plan continues to meet your needs and may help prevent unnecessary expenses or gaps in coverage.
Healthcare costs can have a significant impact on retirement. By coordinating Medicare with Social Security, retirement income, tax planning, and long-term financial goals, we help make healthcare planning an integrated part of your overall retirement strategy.
Medicare plan availability, benefits, provider networks, and costs vary by location and insurance carrier. We do not offer every plan available in your area. Any information provided is limited to the plans represented by our licensed insurance professionals.
Retiring Before 65? Plan the Bridge Carefully
If you're retiring before Medicare eligibility, COBRA can extend your employer coverage for 18 months (up to 36 months in certain cases) — but you'll pay the full premium plus a 2% administrative fee, with no employer subsidy. For many early retirees, COBRA is either too expensive or doesn't last long enough to fully bridge the gap to 65. We'll walk through your real options — COBRA, ACA marketplace plans, spousal coverage, or private insurance — and help you compare true costs before you commit.