👋 Turning 65 is a milestone worth celebrating – it’s a time when you’ve gathered a lifetime of wisdom and experiences. But have you considered how your healthcare coverage might need a little extra support to match your newfound vitality? 🎉
Having additional insurance beyond original Medicare, such as a Medicare supplement (Medigap) plan or a Medicare Advantage plan, can provide several benefits and help ensure you have comprehensive coverage. Here are some reasons why you might consider additional insurance:
🔵 1. Cost-sharing protection: Original Medicare (Part A and Part B) comes with out-of-pocket costs, such as deductibles, copayments, and coinsurance. These expenses can add up, especially if you require frequent healthcare services or hospital stays. Medicare supplements (Medigap) or Medicare Advantage plans can help cover these cost-sharing expenses, providing you with financial protection and potentially reducing your overall healthcare costs.
🔵 2. Coverage for services not covered by original Medicare: Original Medicare does not cover certain services, such as prescription drugs, routine vision and dental care, hearing aids, and some preventive services. By enrolling in a Medicare Advantage plan or a Medicare supplement plan with additional benefits, you can gain coverage for these services, reducing your out-of-pocket expenses and ensuring a more comprehensive healthcare package.
🔵 3. Access to a broader network of providers: While original Medicare allows you to see any healthcare provider that accepts Medicare, some Medicare Advantage plans and certain Medicare supplement plans have provider networks. These plans may provide you with access to a specific network of doctors, hospitals, and specialists. If having a wide choice of healthcare providers is important to you, it’s worth considering a plan that offers a broad network.
🔵 4. Predictable healthcare costs: Additional insurance plans can help provide more predictability in your healthcare expenses. With original Medicare alone, your out-of-pocket costs can vary widely depending on the services you receive. Medicare Advantage plans and some Medigap plans offer more standardized cost-sharing structures, making it easier to budget for your healthcare expenses.
🔵 5. Coverage while traveling: Original Medicare coverage is limited when you travel outside the United States, with few exceptions. However, some Medicare Advantage plans and certain Medigap plans provide coverage for emergency medical care received while abroad. If you travel frequently or plan to spend time outside the country, having additional insurance can provide you with peace of mind and protection.
It’s important to note that the decision to get additional insurance beyond original Medicare depends on your personal circumstances, healthcare needs, and budget. Each type of additional insurance, whether it’s a Medigap plan or a Medicare Advantage plan, has its own benefits, costs, and considerations. It’s advisable to compare different plans, review the coverage details, and consult with a licensed insurance agent or counselor who can help you assess your options and make an informed decision based on your specific situation.
💪 Now, it’s time to take action and ensure your healthcare is as vibrant as your life! 🌟
Click this link to request a call back from a trusted insurance advisor to discuss your options.
But here’s the thing – great advice is meant to be shared. Don’t keep this valuable information to yourself. Share this post with a friend who’s also turning 65, and help them make the best choices for their healthcare journey.
Remember, your health is your wealth. Invest wisely, stay healthy, and cherish every moment of this incredible stage of life!
👉 Take charge of your healthcare today, and share the knowledge with your friends. Together, we can navigate this exciting chapter with confidence! 🌐💙 #HealthcareMatters #SupplementalInsurance #Turning65
Beth Powanda, Licensed Insurance Agent, 0B80536