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Choose the Medicare Supplement Company …Not the Initial Price

Almost every day I receive a request from someone who is about to go on Medicare to provide them with Medicare Supplement quotes for their area.

While I am happy to do this, I always feel the quotes I am providing to them are misleading.

The reason for this is there is virtually no relationship between the monthly premium you pay for a Medicare Supplement at age 65 compared to other carriers and what you will pay over the course of your lifetime.

In many situations, the Medicare Supplement carrier with the lowest premium at age 65 will cost much more than other carriers both in the near future and the rest of your life.

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Your Most Important Medicare Goal

You have one goal when choosing a Medicare plan that far outweighs any other goal.

That goal is as follows:

At some point in your life - and I hope it never happens - you may be diagnosed with a serious health condition for which you want to use the doctor or hospital with the most experience and expertise for your condition and who therefore gives you the best chance for the best health outcome. If this happens, you should be able to get this care as soon as possible with little or no cost.

Being a doctor is a noble profession. But a doctor is not a commodity. Some doctors simply have more experience and expertise for certain conditions than others.

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Choose the Medicare Supplement Company …Not the Initial Price

Almost every day I receive a request from someone who is about to go on Medicare to provide them with Medicare Supplement quotes for their area.

While I am happy to do this, I always feel the quotes I am providing to them are misleading.

The reason for this is there is virtually no relationship between the monthly premium you pay for a Medicare Supplement at age 65 compared to other carriers and what you will pay over the course of your lifetime.

In many situations, the Medicare Supplement carrier with the lowest premium at age 65 will cost much more than other carriers both in the near future and the rest of your life.

Read more

Employer Coverage Or Full Medicare? How To Decide

The question I receive more than any other when someone is turning 65 and becoming eligible for Medicare is "What do I do about Medicare if I am still working and have coverage through my employer?

There are several different issues to consider when answering this question.

The first thing to know is when you turn 65 and are still working, you have a choice between staying on your employer's coverage or leaving that coverage and going on full Medicare.

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