Happy Medicare Birthday to Me!


Yep, you heard that right, I just had my 65th birthday which qualifies me for Medicare. This greatly reduced the amount of money I was spending on health insurance, but oh my what a daunting process it is to get started! Lucky for me, my husband had a networking contact, Liz McPherson, who is highly qualified and greatly respected for her work in guiding “newbies” through the Medicare process. Liz was kind enough to share her thoughts and advice for anyone who is approaching the qualifying age within the next six months. If you are not quite there yet, you might want to save this blog for future reference.


MEDICARE THOUGHTS FROM LIZ:

Medicare is complicated and definitely not a “one size fits all”.

Here are some of my tips for surviving the Medicare enrollment process:


1. Get a bigger mailbox (LOL): You will be amazed that your information is so available to people selling Medicare plans and you will need a bigger mailbox to accommodate all the advertising material that starts to arrive prior to you turning 65.


2. Don’t delay planning:

· 6 months from the month that you turn 65 is a good starting point.

· Even if you’re going to continue to work, it’s a good idea to understand how Medicare works.

· This will help you make informed decisions based on your budget and lifestyle.


3. Don’t be afraid to reach out to the pros for help:

· A good agent will never pressure you into purchasing a Medicare plan (in fact, high-pressure tactics are strictly forbidden by Medicare)

· I have lots of clients that see me months and months before they’re ready and they always come back to me when the time comes to enroll in a plan.


4. Don’t assume that Medicare coverage isn’t as good as the plan offered to you by your employer, you may be pleasantly surprised at how rich the coverage can be, sometimes at a $0 premium.


5. Don’t put too much stock in what your good meaning friends tell you. Talk to the professionals, the ones with health insurance licenses and who understand Medicare.


6. Make a list of your priorities:

· What are you looking for in a health plan?

· Are you going to be traveling in your retirement?

· Are there doctors or hospitals that you absolutely want access to?

· How much do you want to (or can you afford to) spend a month on healthcare?


7. Don’t panic! There are a lot of really good insurance agents out there that will guide you through the process.


I chose to use Liz as my agent of choice and I’m so glad I did. The process was easy, she did all the research according to my preferences and provided me with ample choices to choose from, and it didn’t cost me a dime. I’m grateful and happy with my selection. Liz is licensed in several states and is adding more states as her portfolio grows. If you are interested in seeing what she can do for you, here is her contact information:


Liz McPherson, MBA Independent Insurance Agent Liz@COSMRC.com www.MedicareResourceCenterCOS.com


Be sure to tell Liz that Robin sent you from RV Retirement Redesign!

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