Health Insurance for Your Golden Years
You’re valued and are entitled to healthcare in your retirement. We are here to guide you in completing your Medicare program.
Supplement vs Advantage
We can summarize the strengths and weaknesses of your main options – and help you buy whichever you decide is in your best interests.
Generally however, we recommend sticking with Original Medicare and also purchasing Medicare Supplement Plan G. It will cost a little bit more than Medicare Advantage that way, but your deductible will be much, much lower. These options will pay for themselves over time.
Prescription Drug Plans
We’ll also help you purchase a Part D Prescription Drug Plan (PDP), and show you which plan will give you the lowest total annual cost.
Part A – Hospital Insurance
In general, Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and home healthcare. You’re eligible if you’ve contributed to Medicare through normal payroll deductions for 10 years or more during their careers.
Part B – Medical Insurance
Part B costs $135.50/month, billed quarterly. But it could be higher if your income is above $170,000. And both Part A and Part B have deductibles, as well as providing 80% coinsurnace.
We help with registering for both.
Our best advice is to understand that buying Medicare health insurance is complicated. Luckily, our agents can quickly learn about your situation and show you viable options to complete your coverage.
Complete Your Coverage
Original Medicare doesn’t cover life, dental, vision, or hearing benefits. We have solutions for these as well, since these are important for your quality of life as well.
As a result, we can help you find the best plans for the following:
- Dental to protect your smile, which now includes hearing benefits
- Vision to provide access to affordable prescription eyewear
- Life insurance, to provide your family a financial legacy
- Travel insurance, to protect you during international vacations
Why the Rhoads Insurance Agency
Dan Rhoads is contracted with a variety of insurance companies. As a result, we can compare rates and benefits with the best carriers, so we save you money.