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Site of Joe Clark Author of
"Medicare Primer"
Medicare Primer will give you good information regarding your Medicare Insurance choices. For more detailed information refer to http://medicare.gov/FindaPlan. Keep in mind that the government is heavily in favor of you paying a larger share of your medical costs. My book tells you how to avoid doing that.
My book is also available on Amazon.com as an ebook or as a Large Print book. Large Print Book
Your best source for answers is a broker who has read the books
Other government sources of information is www.cms.gov, www.ssa.gov, and www.gousa.gov. These are the guys who regulate the industry and attempt to protect you. ALL the details are on these sites.
There are hundreds of insurance plans available to supplement what Medicare pays. Buy the book now to begin learning the difference.
Critical Care Insurance
When you have a serious medical event you need cash for non medical expenses. If you pay a premium for health insurance that company will expect to continue being paid even if you are flat on your back. This insurance pays you cash in the event of a serious medical event. You can use this cash to pay electric bills, rent, insurance premiums or any way you need to. You may not be eligible if you already had a medical event but you may be eligible for the other. About half the cost of a serious medical event is non medical such as the cost of daily living and getting to and from the hospital and a host of other unplanned costs.
Premium: $15 to $40 per year per thousand of insurance depending on your age
Decisions
Medicare insurance tends to be complicated and is unlike traditional health insurance.
You really need a broker certified in Medicare Advantage who will guide you without selling you. You are smart enough to decide once you have the information.
There are many choices. You should be able to find something that fits your needs/budget just fine.
Before chosing an agent or broker read about it and get enough information to decide.
My book is also available on Amazon.com as an ebook or as a Large Print book.
For an agent to meet in person with you, you have to agree to an appointment on an approved government Scope of Appointment form. This is the law.
Read all about it in the book.
IN NO CASE do you want to buy insurance instead of eating.
You only need good information to make your own decision. My book will absolutely save you money and possibly a lot of problems if you read it and follow my suggestions.
Get the Book to complete your education process.
Long Term Care Insurance (I do not sell it)
If you are old enough to be considering Medicare it is probably a little late to buy LTC insurance. The cost may exceed the benefit.
That said, there are some annuity products that provide for LTC over and above the normal benefits of an annuity. There are some life insurance plans that allow you to utilize some of the death benefit for long term care.
Joe Clark, Medicare Specialist
303.886.2229 or joeoclark@gmail.com
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