grandfather blowing out birthday cake candles at a birthday party with family

Waiting to Enroll in a Medigap Policy Could Cost You

Throughout our lives, we have a number of birthdays but only a few age milestones ever really stand out—thirteen, sixteen, eighteen, twenty-one, forty, and sixty-five. The milestones get fewer as we age, but few are as important as the final one.

If you or someone you love is soon to turn 65, there are a number of things to start to consider. While the potential for retirement is one, another really big decision to make is how much, or how little insurance you will need.

Three months prior to turning 65, you become eligible to sign up for Medicare.  Once you review your options and make your selections between Part A, B, C, and D you must then decide if these plan benefits will be enough for you.

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Understanding the Basics of Medicare Supplements

WHAT IS MEDICARE?

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. It is divided into Parts A, B, C and D. The different parts are organized to help cover specific needs.

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The Unexpected Costs of Medicare

For many patients, Medicare is incredibly helpful. It reduces overall procedure costs, and it can lower prescription costs. However, specialized treatment, unaccounted for fees and hidden procedural requirements may add extra costs you weren’t expecting. If you are on Medicare, be sure to understand the hidden costs, and consider adding a Medicare Supplement policy to cover what Medicare doesn’t.

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