Medicare Planning

  Here are a few basics:

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• Sign up at 65 but no more than 3 months earlier or later, or possibly face penalties.

• Medicare has four parts: A, B, C and D.

• Part A usually costs you nothing, depending on your work history.

• You pay for Part B.

• Parts A & B don't cover 100% of medical expenses.

• You also must have a prescription drug plan, or possibly face penalties.

• Medigap or Medicare Advantage will help cover gaps in coverage.

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Confusing? It is! There are lots of options regardless of your budget.

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Contact me and let me help you figure it all out.  

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I am an independent broker. I do not work for a specific insurance company. I will always recommend what is best for you!