Growing older in age, the changes that we need to make to stay healthy are often quite apparent. Things such as eating a balanced diet and exercise are natural steps, which might be the first thing to come to mind. A less obvious step, however, might be to take the time and ensure you have proper healthcare coverage! 

Aside from taking regular care of ourselves, we need to feel confident and able to see a doctor at all times. What might feel like a sneaking suspicion or a small worry, might mean the difference between early detection and waiting too long. Especially as we grow in age, we can’t rely on telling ourselves that “it’s probably nothing.” In fact, recent research has stated “54 percent of Americans say they’ve delayed care for themselves in the past year because of cost, and another 23 percent delayed care for more than a year for the same reason” (via CNBC). 

Although it might feel daunting, now is the time to figure out your best health insurance plan. From the outside Medicare might seem complicated, but we’re here to help! Then in the future whenever anything comes up, you will already have a thorough understanding and feel able to act quickly. 

If you’re just starting out, one of the first questions to ask is whether you’re already receiving Social Security benefits. If you are, then you should be automatically enrolled in Part A and Part B. If you aren’t already receiving Social Security, then you won’t be enrolled automatically, and most likely still have to enroll. Generally speaking, Part A will cover more of the costs of hospitalization, and Part B is more for medical care (such as doctor visits or nurses) and medical supplies. If you have any questions about what is covered specifically under either plan, call us anytime at (716) 603-6851.

If you already are enrolled in Part A and B, that is a good start, but doesn’t necessarily mean that you have all of your bases covered! There’s still Part D insurance, which helps protect you against the rising costs of prescription drugs. Part D does involve an additional monthly premium, although depending on your needs you may save much more in the long-run. On top of that, there is also Medicare Supplement Insurance (also called Medigap). Medigap includes everything else covered under Part A, B, and usually Part D insurance. However, what it also does is fill in the “gaps” of what Part A, B, and D wouldn’t usually give you. Depending on your needs, it may be fantastic for giving the extra coverage you need, and making sure your costs do not spiral out of control.

You might have missed the boat on New Year’s Resolutions, but make it a goal of yours today to make sure you have the coverage you need. Time is precious, and we owe it to ourselves and families to take care of ourselves as best as possible. Medicare can be complicated and confusing for a person to figure out alone, but that’s exactly why we’re here! Give us a call today, we’re always here for advice. We can even help you customize a plan that’s best for your specific needs! There’s no further cost or obligation if you call, reach out to us today.