After years of hard work you are finally eligible for Medicare. There is no shortage of information out there for you to decipher through. Make sure to review these points however.
Calls, emails, flyers. There is no shortage of information for you to look at or listen to but how do you make the best decision? Especially California Medicare plans can be a real maze with all of the plans to choose from like Medicare Advantage, Medigap, Part D, and Medicare Supplement.
Remember that Medicare Advantage and Medicare Supplements can vary in price. They also can differ in benefits. It does remind you of the adage "Pay me now or pay me later". Medicare Supplements are more money per month but less money usually in the long run.
You probably have some friends that are in the same age bracket as you. Sometimes you might think to yourself that if a plan works for them it will work for you. This is not the case. Advice on these very important financial matters should come from someone that understands all the factors involved.
Talk to a professional, a Financial Advisor or Insurance Agent that has the ability to offer all of the companies in your state can provide great information that can aid you in a educated decision. There are some factors that your Financial Advisor and/or Insurance Agent should be asking you about. They are the following:
Are you going to be living in the same area for a prolonged period of time?
Do you travel in the U.S. on a yearly basis?
Do you travel outside of U.S. on a yearly basis?
What is the monthly premium amount that works for you?
Does freedom of choice when it comes to providers matter to you?
With all of this information your Financial Advisor or Insurance Agent will be able to lead you in the right direction.
Want to find out more about Medicare Supplement, then visit Andrew Coutavas's site on how to choose the best Medicare Plan for your needs.
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