

How Do I Know If Part D is Right For Me?
Medicare is divided up into four different parts. This allows beneficiaries to select the parts that align
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.Â
If you’ll be turning 65 soon, you have some important healthcare decisions to make.
Medicare Supplements are used to cover most, if not all, of the remaining medical costs that Original Medicare does not pay. There are 10 different plans to choose from, each one offering a certain list of benefits
Medicare is a national health insurance program for folks who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.
If you’re turning 65 soon, you’ll have some critical healthcare decisions to make.
Medicare Part D provides prescription drug coverage. Insurance companies offer this benefit either as an independent plan or beneficiaries can select a Medicare Advantage plan that also includes prescription drug coverage.
Original Medicare covers dental, vision, and hearing only when it is linked with inpatient or outpatient medical needs. We’ll explain what Medicare covers and what you’ll have to buy additional coverage for, should you need it. If you need additional coverage, we can help!
Long-term care (LTC) insurance pays for help with simple activities like bathing, eating, and dressing. It covers expenses that Medicare and health insurance don’t pay for.
Despite what your presumptions may be, long-term care needs aren’t restricted to senior citizens. Approximately 37% of long-term care services are given to people under 65.
Regardless of who you are, life insurance must be a part of your plan. Insurance coverage keeps your loved ones from incurring your debts, should something happen to you. Plus, it can help protect your business, provide for your kids, supplement your retirement, and give you peace of mind.
Annuities are investment products issued by insurance companies. They pay a guaranteed income for a period of years or for life. To purchase an annuity policy, you can make a single payment or a series of payments.
We are always here for our clients, and we’re ready to answer any questions you may have.
For more information or to schedule an appointment, contact us today!
Phone: 830-217-6711
Email: ron@t65s.com
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New Braunfels, TX 78130
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Monday       9 AM to 4 PM
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Wednesday    9 AM to 4 PM
Thursday       9 AM to 4 PM
Friday        9 AM to 11 AM
When you need financial advice, you can rely on the experts at Turning 65 Solutions. Our financial planning blog covers an array of topics, from retirement planning tips to the latest Medicare news. Read, learn, and stay informed as you plan for the future and live your best life.
Medicare is divided up into four different parts. This allows beneficiaries to select the parts that align
Medicare Advantage for veterans may not seem essential for retirees who use VA or TRICARE health coverage. However, it could be more beneficial than you realize. While some healthcare coverage can have limitations, you can combine Medicare Advantage with VA and TRICARE health coverage.
The VA pushes you to have Original Medicare so that you can receive a Medicare Advantage (MA) plan. MA plans include the same basic coverages but have extra benefits that are not found in Original Medicare. This combination of Medicare Advantage and VA can help you in many ways:
Medicare requires Medicare Advantage plans to offer the benefits that Original Medicare does, like lab tests, surgery, inpatient hospital care, home health care, etc. But MA plans can provide additional benefits, such as:
Remember that your eligibility for benefits will vary depending on your area and plan providers.
There are set times when you can enroll in a Medicare Advantage plan:
ICEP is a seven-month period that is your first opportunity to choose a Medicare health plan. It starts three months before the month you turn 65 and ends three months after the month you turn 65. If you are under 65 and you receive Social Security disability, you are eligible for Medicare in the 25th month after you begin receiving your Social Security benefits.
Also known as open enrollment, the AEP is October 15 through December 7 each year. Once January hits, coverage for your selected Medicare Advantage plan will begin. During this time, you may also add, change, or drop current coverage.
During this period, you can switch from one Medicare Advantage plan to another. Or, you can end it to return to Original Medicare.
Many factors can stimulate a special election period and they are unique to an individual. It’s best to speak with a licensed Medicare insurance agent to find out whether you qualify for a special election period. However, there are a few common situations, like if you move outside your Advantage plan’s service area, move into a nursing home, or qualify for additional aid, you could be eligible for this special election period. You can institute changes to your Medicare Advantage plan during this period or go back to Original Medicare.
If you have questions or would like more information about Medicare Advantage for Veterans, call 830-217-6711 to speak with a Medicare specialist.
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