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The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT

THE CARDINAL GUIDE TO:

Medicare Strategizing

Receive a listing with monthly prices of 30-40 Medigap (Medicare Supplement) insurance companies in your zip code. The report is instant, free, and requires no personal information from you.

Should I Enroll in Medicare if I am still working?

In a perfect world, the day you turn 65, you retire, stop your work medical coverage, and start Medicare. While this is great in theory, most people do not live this lifestyle. According to the  U.S. Bureau of Labor Statistics, 40% of people over age 55...

Know a military vet turning 65? Here’s how Medicare can work with VA health care

Credit: CNBC  If you get health care through the Veterans Health Administration and are nearing your 65th birthday, don’t overlook whether Medicare would make sense for you. While not all military veterans rely on VA health care, those who do might not realize they...

How much will Medicare cost me yearly?

We get this questions about yearly cost a lot from clients. The cost of Medicare is hard to sum up because it is so different for every person. While some parts of Medicare everyone has, there are other parts of Medicare that individuals get to choose. Due...

What do I need to do during Medicare Annual Enrollment in 2018?

There are 5 decisions you need to make every fall during the Medicare Annual Enrollment Period. The Annual Enrollment Period spans from October 15th to December 7th and is the only time certain changes can be made to Medicare coverage. Hans Scheil, CFP®...

What to do if you have a Medicare Supplement during Annual Enrollment

During the Medicare Annual Enrollment Period that takes place every fall, there are a lot of mixed messages  aimed at Medicare beneficiaries about the pressing deadline of having to do something. But what exactly is this something that you need to do? The...

Does Medicare Pay for Long-Term Care?

“Medicare does not pay for long-term care, so you may want to consider options for private insurance.”  This is stated on every person's Social Security Earnings Report (as seen in the photo), yet many people still have not planned how they...

■  To ask us questions or to get your personalized report emailed or mailed to you, fill out the contact form below. ↓

 Medicare Part A and Part B start (for most people) on the first of the month before their 65th birthday. Part A is free and Part B has a monthly cost. If you are still working at 65 and covered by group insurance, sign up for A at 65 and delay enrolling in B until you retire.

 Choose a Medicare Advantage plan (Parts C and D) if you want no or a low insurance premium, deductibles, and copayments, and don’t mind the insurance company choosing your doctors and hospitals for you. Choose a Medicare Supplement Plan G or F plus a separate Part D plan if you want low or no deductibles and no copayments, plus you want the freedom to go to any doctor or hospital that takes Medicare.

 Buy Part D after going into Medicare.gov and running a comparison of Part D plans.

 Buy your Medicare Supplement Plan G or F from an independent agent who does not have a vested interest in steering you to one company. Look at a premium comparison report before you buy.

 If you have been on a Medicare Supplement plan for a few years, you might be paying too much. Shop around.

 If you qualify for LIS (the low-income subsidy program) or Extra Help, the government will pay your Part B premium for you and reduce your Part D drug copayments.

 Prepare to pay higher-income surcharges for Medicare Parts B and D if your income is over $85,000 as a single person or $170,000 as a couple.

 Long-term care implication of Medicare: Don’t rely on Medicare to pay your long-term care bill. It doesn’t!

Useful Documents.

Want more information? The Centers for Medicare & Medicaid Services (CMS) produces “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare” to inform the public about Medicare supplements. We made a simplified version to highlight the most important parts. Plus, read the Medicare chapters from “The Complete Cardinal Guide to Planning for and Living in Retirement” and the accompanying workbook.

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Cardinal Guide

Durham Office

2530 Meridian Parkway,
Suite 100
Durham, NC 27713

Charlotte Office

8307 University Executive Park Dr,
Charlotte, NC, 28262

Greensboro Office

6520 Airport Center Drive,
Suite 100
Greensboro, NC 27409

Contact
Hans@cardinalguide.com
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919-535-8261

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