You’ve spent your entire life preparing for retirement. Shouldn’t you have time to enjoy it instead of having to deal with medical insurance?
Medicare is easy to learn, but hard to understand.
Nothing has the ability to dry up your retirement income like selecting the wrong Medicare plan. With over 16 years of experience in Medicare and Medicare Supplements, I help seniors understand their choices with Medicare. Furthermore, I advocate for them to ensure that they are getting the best value for their fixed income dollars.
I work with the highest quality Medigap insurance companies to make sure that you are adequately protected. However, the best quality company for you is rarely the company with the highest name recognition. Companies like United Healthcare (AARP), Mutual of Omaha, and Blue Cross Blue Shield have multiple insurance programs that suit the needs of their clients. However, in Michigan, there are a host of other companies that offer the same benefits, are equally financially stable and similar history in the marketplace, with a much better value to your premium dollar.
Medicare saves money by allowing private insurance companies to manage your Medicare health insurance. This is known as Medicare Advantage. It’s required to offer all of the same basic benefits as the government ran program.
Often you see Medicare Advantage highlighted as the “Zero Cost Medicare Plan.” However, it’s important to know that while you’ll usually have a lower monthly premium, you’ll pay co-pays and deductibles when you use the insurance.
With Medicare, you can pay now and not pay as much when you use it, or pay later.
Medicare Advantage is the pay later option.
Final Expense Life Insurance
If you passed away tomorrow, how would your family pay for your funeral?
This is where Final Expense comes in. It’s a small life insurance policy that ensures that your family will not suffer from financial hardship when they should be grieving and celebrating your life.
The average funeral costs between $7,000 to $10,000. Don’t force them to hold spaghetti dinners or rely on borrowing money to put you to rest.
Final expense life insurance never decreases in payout, never forces you to pay more as you age, and as long as you pay the premiums can never be canceled!