Can you Maximize your Medicare Benefits?

Credits: Laurence J. Kotlikoff, Philip Moeller, Paul Solman

(Shameless Plug # 33)

Medicare is an insurance program for seniors at age 65 or people that are Medicare eligible due to a disability and have been declared disabled by your doctor. You would have to be declared this way to 24 months (2 years) in order to be eligible for Medicare, under age 65. Many of my clients say that Medicare does not cover enough of their needs.  Medicare insurance will cover 80% of Medicare covered benefits. 20% is up to the Medicare recipient to pay for.  Private insurance supplements and Medicare Advantage plans are options.  Some have access to former employers, who can supplement their Medicare, some may have Medicaid or LIS as benefit assistance.

 Readers can research find out what benefits are not covered if they have a procedure planned that involves going to the hospital.  Research in advanced so if you do go into the hospital, you can know some of what is covered and what is not.  Again, in an emergency case, no one is paying attention to that and it is well understood.  I do not advocate trying to address this matter during an emergency situation, I am saying that you can control some things if you have the knowledge as to what to watch for. 

Sign Up for E-News

Your health is important to you.  Please take the time to learn more about how to manage for health insurance.   Laurence J. KotlikoffPhilip MoellerPaul Solman, wrote a book called, Get What’s Yours.  In the book, the authors discuss Medicare, Medicare benefits and loopholes that may benefit many Medicare recipients.  I am not advocating for the book, but it is another source to help you navigate the waters of Medicare. 

I now understand how my position can be valuable to many Medicare eligible people.  The landscape of Medicare is changing constantly and rapidly.  If you have the desire and ability to research or go to places to get information, then absolutely do so because it is for your personal benefit.  Also knowledgeable representatives can provide assistance about your health insurance options.  Consult a qualified and knowledgeable benefits consultant to help guide you through the many Medicare options available.

 Feel out you representative before you commit to anything.  Your representative is as beneficial to you as your doctor, lawyer, accountant, broker, or your financial advisor.  Your Medicare benefits representative should be there for you, when you need them and not just during the open enrollment period.  Please understand that this is your health and you should take real precautions to safeguard it.  Research is one tool, asking for help is another.  Knowing where to get the help does mean you have to research.  I know it can get frustrating but this is for your benefit.  You read the book to look at some of the benefits Social Security and Medicare can provide.  Also you can view for additional information. 

The bottom line is that knowledge is power.  Please get your power.  If you need assistance or have questions about your Medicare options, please contact John Clark, or call direct at (973) 518-0676

John L. Clark III, has been a licensed life and health insurance agent for ten years.  Mr. Clark has worked with various insurances and companies. Ranging from voluntary benefits with the American Family Life Assurance Company or AFLAC to life insurance with Mutual of Omaha and Medicare insurance with United Healthcare, John provides a wealth of knowledge.  Bringing his varied experience to many businesses and individuals, John now speaks to Senior audiences throughout the Tri-State Area, in hopes to discuss options and provide answers to people asking questions about senior concerns.  

The opinions expressed herein are the writer's alone, and do not reflect the opinions of or anyone who works for is not responsible for the accuracy of any of the information supplied by the writer.

TAP Into Another Town's News:

You May Also Be Interested In

Sign Up for E-News

East Orange/Orange

Adults Step Up and Speak Out to Protect Children from Sexual Abuse

April 18, 2018

EAST ORANGE, NJ — The East Orange YMCA is marking National Child Abuse Prevention Month with Five Days of Action, April 16-20. Leading up to Healthy Kids Day, a national initiative to improve the health and well-being of kids, Five Days of Action raises awareness on how adults can step up and speak out to prevent child sexual abuse.

“By encouraging adults to step up and speak out, ...

Essex County Announces Partnership with Nine Local Charitable Organizations

April 16, 2018

WEST ORANGE, NJ – Essex County will participating in nine special partnerships to increase awareness about and help raise funds for the American Cancer Society, American Heart Association, the Arc of Essex County, the New Jersey Children Alliance, Stop for Nikhil, The Valerie Fund, the Arthritis Foundation, the Saint Barnabas Medical Center's Neonatal Intensive Care Unit and ...

Keeping it Professional in Person and Online

When you want to attract quality clients, it’s imperative to be consistent in the way you deal with people -whether it’s in person or online. You need to use professional words, have a professional attitude, and act in a professional manner.

Social Media

It can be hard to remember, but even when you’re on your personal Facebook page, something you say there can end up ...

How to Get Potential Clients to Feel Confident About Your Ability

For people to contract with you, they need to have confidence in you. They need to know that you’re going to do what you say you’ll do. But, how can they know this before you work with them? There are plenty of signs that they’ll look at to determine if you’re trustworthy.

* Do What You Say You Will – Whether it’s in a group, one-on-one, or otherwise, ...

Likability is Key to Attracting Clients

Likability is a quality that you need to have to get people to know you and trust you. If you want the full trifecta of like, know, and trust, then it all starts with being someone that people like. You really can learn to be more likable and it's all to do with your demeanor. But, being likable starts from within. If you care about and find value in others, it’s going to show through ...

April is National Stress Awareness Month

April 14, 2018

National Stress Awareness Month-April 2018

Stress is a topic that people often joke about.  However, it is not a matter to be taken lightly. Stress is unfortunately one of the most common mental health issues and stress factors increasingly affect the well-being of American’s and others world-wide. According a study by the American Psychological Association, despite stress levels ...