What Are the Best Insurance Policies For Forty Somethings And Beyond?

August 6, 2012 robot Family

Let’s look first at those boomers qualified to apply for Medicare and those that are extremely young for Medicare.

For anyone qualified to apply for Medicare, except in rare circumstances, choosing http://planmybaby.blog.com/ never to choose a Medicare program, you can’t beat the cost to you for Medicare. I’m hoping those, that are qualified to apply for Medicare, and keep their insurance from work or whatever… will compare what they are paying now to a Medicare plan. It is amazing that a lot of people, qualified to apply for Medicare, are overpaying for medical insurance… take advantage of Medicare while it’s still here.

You essentially have three choices with Medicare:

Straight Medicare
Medicare supplemental insurance plans called Medigap
Medicare advantage plans… where insurance companies stand rather than Medicare

If you can afford it, the Medicare supplemental insurance plans or Medigap essentially handle your copayments you basically know precisely the pain you are health care will surely cost. You have to buy a separate plan for your prescription drugs. This can be the Cadillac plan.

Straight Medicare leaves you confronted with 20% co-pays…this may especially hurt you in case you are hospitalized.

Medicare advantage plans, my own choice… Secure Horizons, takes the deduction for Medicare from your Social Security check and stands rather than Medicare…with no additional premium. Diets Plan My Baby therefore negotiate with hospitals and doctors to determine which they covers certain procedures. Diets usually include coverage for prescription drugs. Unless you are in weak health, these plans provide you with the most bargain, with the added benefit of an yearly out-of-pocket maximum exposure.

If you’re a baby boomer and not qualified to apply for Medicare… there is a very fantastic way to quickly check and see if you can reduce health care insurance. I have used this free service for decade, and saved big money, doing each of the research myself… without quitting my telephone number. I hate conversing with salespersons, when all I want will be the data, to compare prices as to what I’m currently paying for health care insurance. That is the way…

medicare plan, Medicare Supplement Plans, social security check,