Protecting What Matters Most

As you were planning for retirement, you probably thought a lot about making sure you would have enough income to cover your medical expenses. However, dental care during retirement is an often-overlooked expense that can take a serious bite out of your hard-earned retirement income.

Retired physicians may be surprised to find out those twice a year visits to your dentist’s office are not covered under traditional Medicare. Medicare supplement plans don’t include dental insurance either. And although some Medicare Advantage managed care plans offer dental benefits, both the network and the coverage could be very limited.

As a Texas physician who currently has or will soon be eligible for Original Medicare, it is important to understand the limitations of Original Medicare. Health-related costs are one of the largest expenses during retirement. However, with proper insurance planning, many of these expenses can be covered by the insurance company, not by your retirement nest egg.

If you are about to turn 65, we congratulate you! Your 65th birthday isn’t just a personal milestone, it is the time you can finally begin drawing the Medicare benefits which you have paid into all your working life.

When you elect to enroll for Medicare Part A and/or B coverage, you still have important decisions to make; should you buy a Medicare Supplement plan and/or a Medicare Part D Prescription plan? Deciding on how best to fill the gaps in your Medicare coverage can be a daunting and time consuming undertaking. You may be able to sort through all the options and do research on your own, but why should you when you have personable, professional help at the ready - at no cost to you? Let us carry the burden. Here’s how we can help.

For Texas physicians, life is complicated enough. When it’s time to make Medicare decisions, we want to help simplify your life. And we want to offer our assistance at no cost to you.

Navigating Medicare Complexities

Sometimes it seems that the more you read about Medicare, the less sense makes. A busy physician may feel frustrated in short order. Here are some contributing factors that you may have experienced if you’ve begun to do research on Medicare options:

These days, getting answers to questions is an increasingly automated process. Press 5 for more options. Visit this website for details. Tell the computerized voice your account number to get started. At times, what we really need is attentive assistance from a knowledgeable person. When you need answers to your Medicare questions, know that you can speak one-on-one with one of our knowledgeable advisors. We’re here for you, ready to make the process as easy and customized as possible.

If you are a Texas physician about to turn 65, or you are already enrolled in Medicare, you probably know 20% of your medical expenses aren’t covered, nor are most prescription medicines. That is where a Medicare Supplement plan and a Medicare Part D Prescription Drug plan can contribute – to help cover the costs that Medicare does not.

However, there are many Medicare Supplement and Medicare Part D choices on the market. The options available may seem overwhelming, and making the wrong choice can be costly.

If it’s not broken, don’t fix it. A good strategy for some things – like your vacuum cleaner, or lawn mower. But maybe not for everything – like your Medicare prescription drug plan.

It’s that time of year again – the Medicare Annual Enrollment Period (AEP) – when you can make changes to your Medicare coverage, including your prescription drug plan (Medicare Part D).