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Turning 65 Testimonials Learn About Medicare

When it comes to understanding Medicare insurance and the various plans available, the process can be confusing. The problem with this type of insurance is that there are various basic plans and numerous additional offerings. It's sometimes a puzzle to know what options are right for your individual needs. When it comes to helping your senior parent to understand his or her options for this type of insurance, there are a couple of things you can do to support them in their decision making.

Learn About the Insurance They Already Have

Many seniors still have health insurance from previous employers or may have coverage through third party plans. The first step is to gather information about the coverage they have. This will help you determine if a basic plan is right, or if prescription and hospital coverage is necessary. Most seniors do benefit from the addition of Medicare insurance to supplement their current plans.

Determine Financial Need

Every person's finances are very different from the next. For this reason, it is essential to take a close look at their current financial situation. For example, start with understanding the types of medical cost risk they have. Could they afford to pay for a hospital stay? Do they need coverage on an ongoing basis for prescription medications? Learn what they've spent over the last three to five years on medical bills as well. This will give you some insight into long-term needs as well.

Talk About the Options

Medicare insurance isn't just a single, one-size-fits-all policy. There are various elements that you can add onto that base policy to customize it. When talking to your loved ones about these needs, focus on the various plans available as benefits. For example, original Medicare and Medicare Advantage plans are base policies. Then they may wish to add on Part D coverage, which offers prescription drug protection. Other supplemental coverage is available as well.

The good news is your insurance provider can help you to compare your options carefully. Because this can be a big decision, it is worth considering a variety of policies before making a buying decision.

We’ll help you maintain your health. Call Sun Coast Legacy Advisors P.L. at (888) 455-5799 for more information on Medicare insurance in Florida.

Posted 12:18 PM

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