Why You Need Medicare Supplement Insurance When You Retire

You might be thinking about retirement for a short period from now as well as possible finances to maintain your health. You might be wondering if you will proceed in getting Medicare Supplement Insurance. The answer will depend on your circumstances, but it is essential to know how this insurance plan can benefit you.

Medicare Supplement Insurance: An Overview
You can only apply for Medicare Supplement Insurance when you have enrolled in the Original Medicare, Part A and B. The supplement insurance provides additional payment for the out-of-pocket costs of the Original Medicare.
Private companies offer Medicare supplement plans. These plans can cover costs that are not covered by Original Medicare such as copayments, coinsurance, and yearly deductibles. It can also pay for expenses of emergency overseas travel and excess charges of Part B.

Benefits of Medicare Supplement Insurance
• It can help pay for costs not covered by the Original Medicare. This can help provide for finances related to healthcare as you retire with your current employment.
• As you retire, you might consider traveling abroad. This plan can cover emergency medical care up to 80% of medical costs outside the country.
• You will be able to keep your hospitals and physicians who are covered with Original Medicare. Plan coverage is maintained as long as premiums are paid accordingly.

Medicare Eligibility
The question now is when a person has retired, is he/she qualified for Medicare? Medicare eligibility is not based on your employment status. Its bases include age, the presence of disabilities and other health conditions. When you aged 65, you are eligible to get Medicare as well as supplement insurance. People with disability benefits and end-stage renal diseases are also qualified.

Enrolling in Medicare After Retirement
If you are enrolled in Original Medicare and has decided to get the supplement insurance, it is best to get one during the six-month Medicare Supplement Period. This period is when you are 65 years old and is enrolled in Part B. During this time, insurance companies will highly offer Medicare Supplement plan, and might not charge you with higher premiums.

Conclusion
Retirement needs efficient planning to make it as smooth as possible. As a person ages, he/she needs to take actions to maintain his/her health. Medicare Supplement Insurance can help you as you or a significant other go along in this stage of life. At Dave Silver Insurance, we work hard in making sure that our clients are well-protected with policies that they can afford. To learn more about how we can help you, please contact our agency at (941) 907-2879 or Click Here to request a free quote.

WE’LL ANSWER YOUR MEDICARE QUESTIONS

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Testimonials

I was turning 65 and was getting inundated with mailings and phone calls. I even had insurance agents knocking on my door. I didn’t know where to turn or who to TRUST. I was referred to Dave Silver by a friend of mine. Dave went over all my options. He answered every one of my questions. He knows his stuff!!! Because of Dave’s work, I chose the best plan that worked for me. My wife will be getting Medicare next year. I have Dave’s phone number on speed dial. R. Irwen

Yesterday, I called Dave Silver Insurance company to inquire about quotes for Medicare supplemental Plan F and prescription coverage for both my wife and myself. He requested information about our medical needs and which prescriptions we currently use. He kept his promise to get back with me within a few hours. Dave presented us with all of our options. He made our decision quite easy and it saved us a lot of money. He was an absolute pleasure to work with. Saul E.

I was really confused about my Medicare. That’s when I called Dave Silver. He was able to explain my options and answer all my questions. It was an absolute pleasure and a load off my mind. I would recommend him to anyone needing help with their Medicare.
By Meg

Thank you for your conversation yesterday regarding options for my Medicare coverage. I had been wading through the sea of supplemental plans, drug plans and advantage plans, but had become overwhelmed by the choices. After talking with you I now have a much better understanding of how to make my choices for medical coverage. Your guidance toward the best and most practical solution was a great help. I enjoyed your candid and direct manner. Thanks again for your time!
Respectfully,
R. Fulbright