MEDICARE PLANNING
Are you TURNING 65, or retiring and leaving your group plan?!
If you want help during the Annual Enrollment Period (AEP), or are turning 65 soon, and/or getting ready to leave your employer’s group health plan, have us help you with a free, no-cost/no-obligation class, “Getting Ready to Start Medicare.”
As a Certified Medicare Insurance Planner (CMIP®), we’ve seen firsthand how confusing Medicare can be. There are a lot of decisions to make, important deadlines to understand, and benefits that many people never learn how to use. Our goal is to make the entire process simple and easy to understand—without all the Medicare jargon. As Warren Buffet once said, "There seems to be some perverse human characteristic that likes to make easy things difficult". He isn't wrong, and we're here to make your planning a little less difficult!
We’ll walk you through what you should do before you turn 65 or leave your group health plan, how to choose the type of Medicare coverage that fits your needs, and what you need to know about your Medicare Advantage, Medicare Supplement, and Part D options.
We’ll also show you how to get the most out of the benefits you’re paying for, including what your plan covers, what you can expect to pay out-of-pocket, and how to take advantage of benefits that are often overlooked.
And we’ll uncover one of the biggest Medicare “secrets” that insurance companies don’t always make clear—a potential trap that can leave you stuck with a plan that may not work the way you expected.
Our goal is simple: to help you understand Medicare, avoid costly mistakes, and get started on the right foot.
WHAT: "AEP, Turning 65, Leaving Group Insurance class
NOTE: If you can gather yourself and at least 1 other person interested in learning about starting Medicare, I will hold a personal class for you! And of course, one-on-one appointments are always available!
WHEN: To Be Announced
WHERE:
Rise Financial Group Offices
3303 East Baseline Rd #107
Gilbert, AZ 85234
Call us at (480) 878-7444 to be added to our list, or click the button below.
NOTE: Light snacks and beverages will be available free of charge
We HELP Retirees Understand Medicare!!
Healthcare in retirement may cost more than you think. According to a recent study*, a 65-year old couple retiring in 2019 can expect to spend $285,000 in health care and medical expenses (including premiums and out-of-pocket costs) throughout retirement.
That’s why it’s important to carefully consider your healthcare options, including Medicare for retirees, when planning for retirement. By maximizing your benefits (including Social Security and employer-sponsored health plans) and using a protection strategy to help protect your retirement, you can make sure you’re prepared to better manage your healthcare costs in retirement.
*Fidelity's 2019 Retiree Health Care Cost Estimate
We Review Your Medicare Plans Yearly to Maximize Benefits and Potentially Save Money on Medications
Plan to review and compare your Medicare health and prescription drug plan coverage options annually. The annual Medicare Open Enrollment is an important opportunity to help manage that estimated $285,000 in health care and medical expenses.
This is your time to ensure your current plan is still the best fit for your budget and health needs. It’s also important to consider if this is true for your spouse as well.
We suggest that each year you:
-
Review your plan's annual notice of changes that is sent to you, (which is called an "ANOC").
-
Think about what matters most to you, e.g. medication coverage, specialist care or being able to choose a particular doctor.
-
Find out if you qualify for help paying for your Medicare.
-
Shop for plans that meet your retirement needs and fit your budget.
-
Check your plan’s star rating before you enroll.
We provide in-person or virtual reviews of your Medicare plan, just contact us today at (480) 467-7054.
Do you go on Original Medicare or Medicare Advantage? Choosing the Right Plan!
Another important decision regarding Medicare for retirees: Should you use Original Medicare or go with a Medicare Advantage Plan? If you choose original Medicare, should you consider Medi-gap, and if so, which one do I pick? It is all so confusing!
Before making that decision, you’ll want to understand the difference between the plans. Medicare.gov offers a booklet called "Medicare and You," it is a helpful book to have on hand. However, know that our Advisors are versed in all the Medicare plans available in your State and are ready to help. Note: We don't call you like the major call centers, we take YOUR call and simply provide info that helps you chose the right plan. Because we are independent, we can work with all companies. Many online agents are "captive agents"
-
Medi-gap works with Original Medicare and fills the gaps which aren't covered. We can go through all the plans to find out which option will fit your healthcare needs.
-
A Medicare Advantage Plan is an all-in-one alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D. Most plans offer extra benefits— like vision, hearing, dental, and more.”
Once you understand the options available to you, what we will help you with is:
-
Add and compare costs associated with the different plans
-
Look at networks, providers and if your medications are covered
-
Help considering if added benefits are needed, such as vision, dental, hearing care and SNF coverage.
Wouldn’t it be nice to be able to talk with someone who’s well informed about Medicare for retirees and familiar with your specific financial circumstances? You can. When you work with Rise Financial Group, we offer comprehensive retirement planning, which includes a no-cost, no-obligation consultation regarding your Medicare options. Our advisors can help you navigate the Medicare maze and help choose a plan for you.
HOW TO GET STARTED WITH ADVICE FOR MEDICARE
1. SCHEDULE A CALL
In just a few minutes, we will gather a bit of information to get ready for our Medicare meeting where will cover all your available options.
2. REVIEW PLAN OPTIONS
Together, we will put a Medicare supplement plan together that fits your specific health needs. Need a drug plan? We help you with that too!
3. FEEL FULLY PROTECTED
Rest assured you are working with a Fiduciary Advisor, that is not common in this business. You will feel better knowing you are on the plan best for your situation!