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Make Medicare Plan Choices Easier

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Tags: Medicare, Medicare and turning 65, Medicare health plans

Many seniors find Medicare choices so confusing they stay in the wrong plan or a plan that costs too much, according to a new report from Kaiser Family Foundation.  They want information that is concise, digestible and an easy way to compare plans.  Longevity Alliance has published several booklets to help people navigate Medicare including Getting Ready for Medicare:  Avoid These 7 Traps and a guide to Why Medicare Supplement Plans increase.

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Planning for Caregiving and Long-Term Care

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Tags: aging parents, long term care costs, long term care insurance

Caregiving is stressful, yet we continue to fail to plan for long term care services, according to a new research report. And we are woefully misinformed about who will pay for long term care (hint- generally not Medicare).  In fact, we are more likely to plan for our death than living with long term care needs.  

Talking with your parents, souse and family about long term care should be on the top of the list of anyone over 40.  Exploring long term care insurance can be a good way to get informed about how long term care works and how much it costs. 

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Three Ways to Save on Medicare Supplement Rates

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Tags: Medicare supplement plans, Medicare supplement rates

When you compare rates on Medicare supplement plans check to see what discounts are available.  There are generally three types of discounts available for people buying Medicare Supplement plans: your age; household discounts and the way and frequency of payment. Each insurance company does these discounts a bit differently, so ask about Medicare supplement plan discounts before you buy.

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Switching Medigap Plans: Avoid Double Billing

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Tags: Medicare supplement plans, Medicare supplement rates

Switching Medicare Supplement plans can be a great way to save money on Medicare insurance premiums.  But if you switch Medicare supplement companies remember YOU must cancel the first Medigap policy once the new policy is in place.  Many people forget because the payments are automatically taken from their checking account.  Suddenly those savings are disappearing as double billing adds up.  So when you get confirmation that your application has been accepted with the new company (you have a policy number and ID cards), call your former insurance company to cancel the policy.  You may still have to pay both premiums for the first month, but after that you'll be paying just the new lower price.

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