State Health Insurance Counselors – Experts to Help You Navigate Medicare
A famous writer, J.W. Goethe, said, “Everything is hard before it is easy.” This quote certainly rings true in regards to navigating health insurance and Medicare — a constantly changing, often confusing landscape. Many find it challenging to understand what’s available and how to meet their needs. We’re here to make it less hard.
Age Well’s State Health Insurance Counselors offer free and confidential counseling for people 60+ years of age and Medicare beneficiaries. We can provide you with available options and guidance so that you can manage your health, plan for your future, and continue aging confidently.
Case in point:
Recently, we had a beneficiary call to review her Medicare Part D plan because she had list of medications that were no longer covered. Their cost had exceeded the allotted funds for the year. She was in a position where all costs would now be out-of-pocket, an unaffordable option.
One of our experts reviewed her medications, checked for potential restrictions and made sure she had access to the proper dosage. By the end of the call, she had saved over $2,000!
Why it matters:
Throughout our lives, those that we work for (i.e. our employers) define the health insurance and options that are available, but now you have the privilege of choice – and there are many. Health insurance is a philosophical consideration as much as it’s a financial one. Knowing the rules and options prior to being eligible for Medicare (65+ years of age), will help you make informed decisions to best meet your individual needs.
All of us have finite resources and must make decisions that fall within the current market offerings.
Your coverage selection is composed of three primary factors:
- Your health
- Your money
- Your personal beliefs
There are also several questions to consider including:
- When should I begin my coverage?
- Which coverage plans are available?
- What rules do I need to know so as to avoid penalties?
- Am I eligible for financial assistance?
And don’t forget - we’re here to help:
Age Well’s State Health Insurance and Assistance Program (SHIP) is a free, confidential unbiased service that has counselors available to answer your Medicare questions. Getting started is easy, just call our helpline: 1-800-642-5119
We also offer Medicare informational sessions. Topics include: Learning the Top Medicare Considerations, Starting Medicare at 65 to Avoid Late Penalties, Selecting the Best Coverage for You, and Protecting Yourself from Fraud. Click here to see our upcoming class schedule.