Insurance Solutions for a Secure Retirement
Simplifying Medicare and Retirement Insurance Choices
Planning for retirement brings many decisions, and insurance is one of the most important. If you are approaching age 65 or already retired, you’ve probably noticed the flood of advertisements for Medicare, drug coverage, dental and vision insurance, and more. The options can feel overwhelming.
At Professional Benefit Solutions, we simplify the process by focusing on you – not the glossy mailers. We take time to understand your needs, goals and concerns, then help you select the right coverage to protect your health and financial security in retirement.
It’s important to know that Medicare comes with critical deadlines. For example, you must apply for Medicare Part A within three months before or after your 65th birthday, even if you’re still working or covered under a spouse’s plan. We can guide you through the enrollment process and explain your options for supplemental coverage, so you avoid costly mistakes.
We also recognize that couples often reach Medicare eligibility at different times. That’s why we create strategies to cover spouses and dependents during the transition, ensuring your entire family remains protected.
From Medicare Supplements and Advantage Plans to life insurance, long-term care, dental, vision, and short-term health insurance, our goal is to give you confidence and clarity as you move into retirement.
Medicare Supplements
Medicare Part A is for Everyone! We can help you sign up about 90 days before you turn 65. Supplemental Policies cover the things Medicare doesn't - like routine visits to your health care provider or medications you might need or even your co-pays so there are never any surprises!
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Medicare Advantage
Medicare Advantage Plans combine many of the insurance products you had when you were working. It could include dental or vision care along with pharmacy co-pays. Once we understand what types of things you need, we can help you decide whether an Advantage Plan may make more sense than buying supplements individually. AND, of course, we'll need to make sure that the medications you need are covered by the plan you are picking!
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Long Term Care
Nobody really wants to move to assisted living or need nursing home care. Nobody really wants home health services. Sadly, about 70% of us will require nursing home, skilled care or home health care during their life times. Long Term Care Insurance has become one of the most important investments in keeping families financially secure and assets protected. We’ll help you find a plan that protects your assets and give you peace of mind.
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Life Insurance
Life Insurance needs change as your need to provide for loved ones evolves over time. Maybe you have already paid off your mortgage. Maybe you have other loans that you want to make sure your family is able to pay off should something happen to you. Perhaps you want the peace of mind in knowing your final expenses are covered. Maybe you want to leave funds for your grandchildren to go to college or to assist them as they start their adult lives. Whatever your life story, we can help.
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Vision Insurance
Basic Medicare does not include trips to an eye doctor, yet checkups are needed annually to maintain eye health. Glasses need to be kept up to date, and the necessity for cataract surgery develop. During the open enrollment period, let us help you select the right Vision Care Policy that will cover the types of eye care you'll require as your eye health needs change.
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Dental Insurance
Without Dental Insurance, a trip to the dentist can be a very expensive experience. While Dental coverage is not included in your Medicare Plan, you do have the option of purchasing a policy to cover dental care. Rest easy knowing that a Dental policy covers two annual visits to the dentist, routine x-rays and fillings along with some of the more extensive contingencies that face you as your teeth age.
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Short-Term Health Insurance
Short-Term Health Insurance Plans can provide health coverage if you are between jobs, in college, or if you are a younger spouse or the dependents of someone who has just become eligible for Medicare. These plans typically extend for 18-24 months while you are searching for a new job, aging into Medicare or working to graduate.
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Cancer Insurance
A cancer diagnosis is not just emotionally devastating for the patient and their family. It is often a financially destabilizing event. Providing optional cancer insurance for employees and their dependents offers your staff the ability to protect themselves financially should cancer care be necessary.
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The New Plan Year Starts January 1
The new plan year begins for Medicare on January 1. We have some suggestions for you as you start the year so that you will be aware of any changes you may want to make in the 2020 Open Enrollment period that begins next November. 1. Keep a running list of what you needed health coverage for and make a note of any out of...
It’s Medicare Election Time!
It's Medicare Election Time! October 15 - December 7 If you have Medicare coverage, you are given a time each year to make changes to your insurance plan. As we age, sometimes our needs change and sometimes there are new plans that have been created that would be a better match for your individual needs. Even if you think...
Gearing Up for Medicare Election Period
Medicare Election Period October 15 - December 7 Medicare Election Period is the right time to take a hard look at Your Medicare Insurance Plans each year. This is your opportunity to make some changes to your coverage. There are usually three reasons that would cause a Medicare recipient to change their insurance plans:...
Getting Medicare Right!
What do all the "parts" mean? Getting Medicare Right is a challenge for all retirees. Part A of Medicare covers enrollees for what is done inside a hospital and requires a hospital admission. Most people will complete the enrollment form for Medicare Part A when they turn 65 years old - even if they are working with...
Is it Time to Talk about Medicare?
Planning for Medicare supplemental coverage requires a highly individualized discussion. We've been having these conversations for years, and thousands of individuals have trusted us to help them understand and choose the right supplement plan. Let's talk about your Medicare coverage! Starting roughly 90 days before your...