Need a consultant to advice me on Medicare vs. private health insurance decisions (I am 65 and still working and have private insurance)
Total Comments: 3
Posted: Thu Sep 02, 2010 04:24 am Post Subject:
If nothing else, you probably need to enroll in Medicare Part B within 3 months of turning age 65 to avoid the lifetime premium penalty that will attach, unless you are covered by an employer-sponsored plan, in which case you will have an 8-month "Special Enrollment Period" to apply for Medicare Part B to avoid the penalty. Part A is premium free at age 65 if you are "fully insured" (40 credits earned prior to age 65).
Medicare Advantage plans offer a very attractive alternative to "Original" Medicare, substituting HMO or PPO coverage for Parts A and B and the need for a Medicare Supplement and Prescription Drug Plan.
Posted: Fri Sep 03, 2010 09:16 pm Post Subject: situation
Why don't you just go online and request a quote? Most agents that would sell you a product are well-versed in the alternatives. Pick an agent that you believe is telling you the truth. Don't leave off your phone number. If you tell them where you are honestly, I bet you will find people that really want to help and know what they are talking about. You don't have to do business, your just in data-gathering/learning mode.
Posted: Mon Sep 06, 2010 12:35 pm Post Subject:
Why don't you just go online and request a quote?
For what product? That's what the question is all about. The OP does not know what his/her options are, so where would they even begin to look?
I bet you will find people that really want to help and know what they are talking about. You don't have to do business, your just in data-gathering/learning mode.
Posted: Thu Sep 02, 2010 04:24 am Post Subject:
If nothing else, you probably need to enroll in Medicare Part B within 3 months of turning age 65 to avoid the lifetime premium penalty that will attach, unless you are covered by an employer-sponsored plan, in which case you will have an 8-month "Special Enrollment Period" to apply for Medicare Part B to avoid the penalty. Part A is premium free at age 65 if you are "fully insured" (40 credits earned prior to age 65).
Medicare Advantage plans offer a very attractive alternative to "Original" Medicare, substituting HMO or PPO coverage for Parts A and B and the need for a Medicare Supplement and Prescription Drug Plan.
Posted: Fri Sep 03, 2010 09:16 pm Post Subject: situation
Why don't you just go online and request a quote? Most agents that would sell you a product are well-versed in the alternatives. Pick an agent that you believe is telling you the truth. Don't leave off your phone number. If you tell them where you are honestly, I bet you will find people that really want to help and know what they are talking about. You don't have to do business, your just in data-gathering/learning mode.
Posted: Mon Sep 06, 2010 12:35 pm Post Subject:
Why don't you just go online and request a quote?
For what product? That's what the question is all about. The OP does not know what his/her options are, so where would they even begin to look?
I bet you will find people that really want to help and know what they are talking about. You don't have to do business, your just in data-gathering/learning mode.
I offered, and have not received a response.
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