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Medicare Supplemental Insurance

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Your initial decision when selecting a Medicare supplement plan is imperative and significant to your personal “out-of-pocket” medical expenses for years to come.
  • Medicare alone only covers 80% of medical expenses
  • In addition to the 20% balance, there are unmet deductibles and/or copayments
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When choosing a Medicare supplemental insurance plan there can be substantial differences in out of pocket expenses between plans.
  • Medigap – coverage you add to Original Medicare Parts A and B – commonly has a higher monthly premium but often result in significant lower annual out-of-pocket costs.
  • Medicare Advantage (Part C) – an alternative to Original Medicare Parts A and B – generally cost less monthly, covers some non-medical services, but often result in higher annual out-of-pocket medical expenses

At Wealth and Retirement Strategies, we review your individual needs. We are here to guide you in making the best educated decisions for you and your family's healthcare and financial needs.