Horizon Life Plan
Preparing for Senior Living
Planning for the future is an important step one takes in preparing for senior living. Retirement and age brings with it many complex issues that must be considered carefully. Seniors must consider planning for their future, consider their living accommodations, and of course health care options.
You have many options when considering your financial path. Whether you are a homeowner or renter,You have worked hard for your money. NOW, we make sure it is working hard for you!! Contact us for a no obligation review of your current financial status.
We also help people turning 65 create a plan for their Medicare health coverage. While Medicare is a substantial source of health care for those over the age of 65 a supplemental insurance policy is ideal to help cover extra expenditures incurred during medical care. Typical supplemental insurance policies include prior employer and union-sponsored plans, Medicaid, and SSI.
With or without a secondary insurance policy, planning ahead to deal with future health issues is paramount. The worst thing that could happen to a senior is to be unprepared for unforeseen health problems and end up without proper coverage. We help you stay on the Path.
Stay on the Path
Call or e-mail for your free report
Medicare and You
216.346.1525 boomeradvisor@yahoo.com
Now, Your Medicare journey can be smoother when you pack light.
1. There are two main ways to get Medicare.
· You can choose Original Medicare (Parts A and B), which is provided by the federal government.
· Or choose a Medicare Advantage plan (Part C). These plans are offered through private insurance companies.
2. With Original Medicare, you’ll pay a share of the cost.
· You contributed to Medicare by paying taxes. That’s why you’re eligible for Medicare when you turn 65.
· Original Medicare doesn’t pay for everything. You still pay a share of the cost in monthly premiums and copays. ( around 20% of medical fees )
3. Medicare supplement insurance helps control out-of-pocket costs.
If you need a lot of medical care, you may end up with big bills. Medicare supplement insurance plans help with some of the expenses Medicare Parts A and B don’t pay, like copays and deductibles.
4. Prescription drug coverage helps limit drug costs.
As a Medicare member you can/must* get optional prescription drug coverage (Part D).
· You can/must* enroll in a stand-alone Part D plan to go with your Original Medicare coverage.
· Or you can enroll in a Medicare Advantage plan that includes prescription drug coverage.
5. Know the choices in your state.
· Original Medicare (Parts A and B) is the same across the United States.
· Medicare Advantage (Part C) and prescription drug (Part D) plans are offered by private insurance companies and may be available only in certain counties, states or regions.
· Medicare supplement policies offer nationwide coverage and are available by state.
6. Enroll at the right time.
The Initial Enrollment Period (IEP) is your first chance to enroll in Medicare. It’s the three months before your 65th birthday month, the month of your birthday, and the three months after your birthday month.
· If you enroll before the month you turn 65, coverage starts on the first day of your birthday month.
If you enroll during your birthday month or later, coverage starts on the first day of the month following the date you enroll.
Medicare Plan D enrollees are a perfect example of why it is important to plan ahead. You may think you know what a donut hole is but plan D suffers from what is called the "Doughnut Hole". This doughnut hole is a lapse in prescription coverage, which causes the plan-holder to have to pay for their prescriptions at Full Retail Value. This can have a Devastating Effect on a senior that Depends on certain medications to maintain a good quality of life.
The senior must ask many questions about their future health care needs and should consult a medical professional for help. What should be done in the event that a senior is unable to care for themselves, or how will a senior get to and from the doctor's office if they are no longer able to drive?
*You may be able to get extra help to pay for your prescription drug premiums and costs.
Are you or someone you know turning 65?
For DIY info you can go to www.medicare.gov for information regarding available healthcare.
Already on a medicare plan?
Will you stay with your current health care provider or be terminated and need a medicare supplement?
Do you know about the NEW plans effective JUNE 1?
Stay on the Path
Call or e-mail for your free report
Medicare and You
216.346.1525 boomeradvisor@yahoo.com
Planning for the future is an important step one takes in preparing for senior living. Retirement and age brings with it many complex issues that must be considered carefully. Seniors must consider planning for their future, consider their living accommodations, and of course health care options.
You have many options when considering your financial path. Whether you are a homeowner or renter,You have worked hard for your money. NOW, we make sure it is working hard for you!! Contact us for a no obligation review of your current financial status.
We also help people turning 65 create a plan for their Medicare health coverage. While Medicare is a substantial source of health care for those over the age of 65 a supplemental insurance policy is ideal to help cover extra expenditures incurred during medical care. Typical supplemental insurance policies include prior employer and union-sponsored plans, Medicaid, and SSI.
With or without a secondary insurance policy, planning ahead to deal with future health issues is paramount. The worst thing that could happen to a senior is to be unprepared for unforeseen health problems and end up without proper coverage. We help you stay on the Path.
Stay on the Path
Call or e-mail for your free report
Medicare and You
216.346.1525 boomeradvisor@yahoo.com
Now, Your Medicare journey can be smoother when you pack light.
1. There are two main ways to get Medicare.
· You can choose Original Medicare (Parts A and B), which is provided by the federal government.
· Or choose a Medicare Advantage plan (Part C). These plans are offered through private insurance companies.
2. With Original Medicare, you’ll pay a share of the cost.
· You contributed to Medicare by paying taxes. That’s why you’re eligible for Medicare when you turn 65.
· Original Medicare doesn’t pay for everything. You still pay a share of the cost in monthly premiums and copays. ( around 20% of medical fees )
3. Medicare supplement insurance helps control out-of-pocket costs.
If you need a lot of medical care, you may end up with big bills. Medicare supplement insurance plans help with some of the expenses Medicare Parts A and B don’t pay, like copays and deductibles.
4. Prescription drug coverage helps limit drug costs.
As a Medicare member you can/must* get optional prescription drug coverage (Part D).
· You can/must* enroll in a stand-alone Part D plan to go with your Original Medicare coverage.
· Or you can enroll in a Medicare Advantage plan that includes prescription drug coverage.
5. Know the choices in your state.
· Original Medicare (Parts A and B) is the same across the United States.
· Medicare Advantage (Part C) and prescription drug (Part D) plans are offered by private insurance companies and may be available only in certain counties, states or regions.
· Medicare supplement policies offer nationwide coverage and are available by state.
6. Enroll at the right time.
The Initial Enrollment Period (IEP) is your first chance to enroll in Medicare. It’s the three months before your 65th birthday month, the month of your birthday, and the three months after your birthday month.
· If you enroll before the month you turn 65, coverage starts on the first day of your birthday month.
If you enroll during your birthday month or later, coverage starts on the first day of the month following the date you enroll.
Medicare Plan D enrollees are a perfect example of why it is important to plan ahead. You may think you know what a donut hole is but plan D suffers from what is called the "Doughnut Hole". This doughnut hole is a lapse in prescription coverage, which causes the plan-holder to have to pay for their prescriptions at Full Retail Value. This can have a Devastating Effect on a senior that Depends on certain medications to maintain a good quality of life.
The senior must ask many questions about their future health care needs and should consult a medical professional for help. What should be done in the event that a senior is unable to care for themselves, or how will a senior get to and from the doctor's office if they are no longer able to drive?
*You may be able to get extra help to pay for your prescription drug premiums and costs.
Are you or someone you know turning 65?
For DIY info you can go to www.medicare.gov for information regarding available healthcare.
Already on a medicare plan?
Will you stay with your current health care provider or be terminated and need a medicare supplement?
Do you know about the NEW plans effective JUNE 1?
Stay on the Path
Call or e-mail for your free report
Medicare and You
216.346.1525 boomeradvisor@yahoo.com