Medicare Planning

Comprehensive Medicare Well Plan

Medicare planning can be extremely confusing.  There are two choice structures, four core "Parts", up to ten supplemental options and that does not include coordination with other potential retiree benefits.  Our Medicare Well Plan consultation will evaluate all of your healthcare needs and determine the proper coverage choices.  If you are just turning 65, preparing to leave an employer or looking to review current coverage, this consult will answer all your questions, provide peace of mind and potentially save you thousands in out of pocket expense.

The Medicare Well Plan includes the following:
  • Healthcare needs assessment
  • Customized retirement healthcare cost estimate
  • Evaluation of Original Medicare vs. Medicare Advantage (Parts A, B & C)
  • Prescription Drug Coverage (Part D)
  • Medicare Supplement/Medigap Analysis
  • Physician and Hospital network access search
  • Options for delaying Medicare enrollment
  • Evaluation of employer coverage vs. Medicare
  • Impact of potential surcharges related to income
  • Medicare coordination with your other retiree or government benefits
  • Guidance related to concierge and/or healthcare management services (if requested)
  • Easy to follow enrollment plan

Prescription Drug Review (Part-D)

Prescription drug coverage is often the area of Medicare that most people overpay.  Insurance companies make changes to their plans every year.  These changes impact pharmacy networks, drug formularies and monthly premiums.  Most major metropolitan areas have roughly 30 different plans from which to choose.  Our Part-D review will evaluate your medication needs, search for the most cost effective plans available to you and guide you through enrollment.  Clients frequently save hundreds in annual out of pocket medication expense.

Medicare Supplement/Medigap Review

If you have selected Original Medicare for your coverage, a Medicare Supplement/Medigap plan is highly recommended to help cover out of pocket costs related to Parts A & B.  In most states you have up to ten different plan type choices, which are offered by multiple insurance companies.  Your health condition can impact access to this supplemental coverage outside of the initial enrollment period. We will evaluate your current Medicare supplement plan needs to determine the appropriate coverage.  We will also walk you through key considerations in supplement plan selection and pricing tactics used by insurance providers.  This review is appropriate for individuals in the following cases.
  • New enrollee who has elected Original Medicare.
  • Enrolled in a supplement plan due to be discontinued.
  • Desire to switch supplement plan coverage and/or insurance provider.
  • Planning to move from Medicare Advantage to Original Medicare.
  • Moving to/from Massachusetts, Minnesota or Wisconsin.