Medicare Supplements will go up EVERY year, some go up much faster than others. Call us if you are relatively healthy to switch Medicare Supplement plans at any time if year. Blood pressure, cholesterol and type 2 diabetes UNDER CONTROL are not an impediment to switching unless you have a cadiac issue as well. Every medicare insurance company had DIFFERENT health questions-and they can change from year to year. Www.TheMedicareFamily.com if you want us to compare rates.
Social Security for qualifying spouse and ex spouses maxes out at 50% while widow benefits max out at 100%. How much Social Security you get is based on YOUR age when you choose to draw. Spousal benefits age doesnt impact your widow benefits
Medicare drug price savings from the inflation reduction act are to be used for a purpose OTHER THAN SHORING UP MEDICARE! #greenscreen
Medicare Part B & D surcharge for the rich, IRMAA, is calculated based off your magi income from two years prior and then RE ADJUSTED annually. See more on www.TheMedicareFamily.com
Social security will look into every benefit you are eligible for and enroll in the one that pays the highest
If you have 100% VA disability and you are unable to work, you get fast tracked for social security disability.
COBRA can cause you to enroll into Medicare Parts B & D LATE and cause you a lifetime late penalty. COBRA pays secondary to Medicare and usually ( but not always) unadvisable for those age 65 and over who are eligible for Medicare! Call us for free advice 800-970-1964
Medicare does have an income test (low income get assistance and higher incomes pay more) but your assests are not counted. Social Security disability has no income or asset criteria to qualify and only income test after qualifying (assets dont count).
Moving states requires a price adjustment in your Medicare SUPPLEMENT plan (could go up or down) and a complete change to your Medicare Advantage and Medicare Part D plan because you must purchase a plan in your new zip code. Be sure to update your address on ssa.gov
In most states those on Medicare UNDER the age of 65 can only purchase a Medicare Advantage plan —which may not be good since you are disabled and may see the doctor often. You CAN get a Medicare Supplement at age 65! Call us three months before you turn 65 800-970-1964
58 is the new 58! Im proud and happy about my age. I survived the dark days of peri menopause (was hell, no gonna lie) and looking forward to becoming a grandma in July!
Medicare Advantage stress points are the cost per day of hospitalization, cost of an outpatient procedure and maximum you must pay out of pocket per year. Most group Medicare Advantage plans wont have a monthly charge nor a deductible. Also check to see if your doctors are in network.
The best way to shop for your Medicare insurance is NOT to seek out one extra benefit, but to find the overall best fit for your HEALTH & Rx needs, that your doctors are in the plan’s network and if there is ALSO an extra benefit, fine. Let it be the icing on the cake, not the cake. #greenscreen
#greenscreen Don’t be pressured to wait to draw your Social Security retirement benefits. You do you. You know if you NEED it now even if it is a lesser amount. Or if you just WANT it now to invest under your own control
Retirement has a lot of pluses! Speed and fancy trucks are not sone of them
Social Security Disability is your retirement amount you WOULD have received at your full retirement age but instead given to you early due to disability. You won’t get an increase in Social Security when you later reach your full retirement age
Medicares typical doctor gets paid a fee for every service but the new model the government would like to see all doctors in would pay for positive outcomes and the doctor shares the RISK (financial reward or the opposite)
#greenscreen There is no right age to start drawing your Social Security. But the WRONG age is anytime prior to your full retirement age IF you are still working full time, because your earned income is limited before your Social Security is reduced or stopped. See my free Social Security cheat sheet. Link in bio
I’ve worn hats to work for twenty years and now my secrets out. I love a bath every night, but hate to wash my hair!
To avoid Medicaid Estate Recovery, hire an elder law attorney YEARS before you expect to go into a nursing home!
