Medicare Supplement Health Insurance
September 4, 2010 - 10:30 am
Archive for the ‘medicare supplemental health insurance’ Category
http://www.medisupps.com/ for more details visit the siteBricate Financial
September 3, 2010 - 5:16 pm
Group Health and Business Insurance
Individual Health Insurance
Life Insurance
Disability and Long Term Care Insurance
Annuities
Wealth Management Consulting
Medicare Supplement Plans
Business Liability Consulting
401K
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August 29, 2010 - 4:09 pm
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Senior Health Insurance Specialists – Grafton, WI
August 29, 2010 - 4:01 pm
Senior Health Insurance Specialists 262-375-9804 http://www.yellowbook.com/profile/senior-health-insurance-specialists_1821688258.html
Duration : 0:0:36
Health Insurance Place of Oregon – Grants Pass, OR
August 29, 2010 - 3:53 pm
Health Insurance Place of Oregon 541-474-5020 http://www.yellowbook.com/profile/health-insurance-place_1849243632.html
Duration : 0:0:36
Health Insurance Quotes – Arvada, CO
August 29, 2010 - 3:43 pm
Health Insurance Quotes 303-647-5751 http://www.yellowbook.com/profile/health-insurance-quotes_1849617483.html
Duration : 0:0:36
Sadowskis’ Health Insurance Specialists – Hot Springs, AR
August 29, 2010 - 3:35 pm
Sadowskis’ Health Insurance Specialists 501-623-1141 877-723-6975 http://www.yellowbook.com/profile/sadowskis-health-insurance-specialists_1850722742.html
Duration : 0:0:36
Green Health Insurance Services – Mission Viejo, CA
August 29, 2010 - 3:27 pm
Green Health Insurance Services 949-472-4805 http://www.yellowbook.com/profile/green-health-insurance-services_1848240039.html
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August 29, 2010 - 3:27 pm
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Step #2 – Retirement Preparedness Checklist: Insure Risks You Cannot Afford to Take
August 29, 2010 - 3:27 pm
http://www.kimsnider.com
Healthcare and long-term care costs pose very real risks to your retirement nest egg.
Risk management is the foundation of a solid financial plan, especially in retirement.
The most important items to plan and budget for are private health insurance if you are under age 65, Medicare and Medicare Supplement insurance if you are near or over age 65, and a solid long-term care policy.
Look into employer-sponsored health coverage available to you as a retiree. Keep in mind that private-sector employers are not required to offer retiree health benefits.
Furthermore, if your company provides a plan, nothing in federal law prevents them from cutting or eliminating those benefits. Make sure you read the plan carefully and compare the costs with the benefits offered.
If your employer does not offer retiree healthcare benefits, you will need to turn to the non-group market for health insurance coverage.
Make sure you know the costs and that you can get coverage before you leave your employer’s plan.
Given the cost of private insurance, it’s important that you know what you need and what you don’t. Generally, there is a direct tradeoff between the cost of health insurance and the level of protection it provides. As you weigh this trade-off, keep this in mind: you buy health insurance in case you get sick, not in case you stay healthy.
If you are retiring near or over age 65, Medicare and Medicare Supplement insurance will be your primary focus when it comes to healthcare.
Medicare Part A is automatically available to you at age 65, if you are taking Social Security. If you are not taking Social Security, you will need to actively enroll. You can enroll in Medicare up to three months before the month you turn 65.
Part A, which covers inpatient hospital expenses, is premium-free if you have worked forty quarters and paid Medicare taxes. If you have not worked forty quarters, you will have to pay a premium based on the number of years you have worked in Medicare-covered employment.
Medicare Part B, which covers outpatient medical services and is subject to an annual deductible, is available for a premium. The premium is based upon your household income. It is either deducted from your Social Security check or billed to you quarterly if you are not yet receiving Social Security benefits.
It is usually best to enroll in Part B at the same time that you apply for Part A; however, you may opt out of Part B coverage, say if you have a group health plan, and opt in later during various enrollment periods. Keep in mind you may incur a penalty for waiting. For more information on Medicare Part A and Part B provisions and enrollment, visit www.medicare.gov.
In order to purchase Medicare Supplement insurance, also known as Medigap, you must be enrolled in both Medicare Part A and Part B.
Once you have a healthcare solution that fits in your budget and meets your needs, there is one other critically important piece of coverage to consider – long-term care insurance. Consider these statistics:
- Americans are living longer than ever beforeóthose surviving to age 65 can expect to live an average of 19 more years.
- By 2030, the number of Americans aged 65 and older will more than double to 71 million older Americans, comprising roughly 20% of the U.S. population.
- One in three Americans age 65 will need some kind of nursing home care in their lifetime.
- Just in the past two years alone, the increase in the average cost of long-term care ranged from 5-13%, depending on the type of service.
Don’t risk your lifetime of hard work and savings. Make sure you are properly insured in retirement and protected against rising healthcare costs and the need for long-term care. You simply can’t afford the alternative.
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