When that Medicare card comes in the mail and you think it's time to look, you probably find yourself opening a can of worms flowing in all unexpected directions and you wonder why that should be so. A program meant to take care of seniors should not be so mentally confounding. And it is not really! It can be complex as it tries to address every potential situation each person may have. Then comes additional confusion with acronyms that want you figure out how Medicare Advantage overtakes Original Medicare, yet creates room for Medigap. What’s the ‘medi’ in all of these “medi, medi”? For example, you may be getting to that stage when you are thinking maybe you should slow down on the working phase and suddenly, there is no human resources to put this together for you. |
Commonly, there are worries about whether you are making too much money or too little and premiums Medicare is talking about seems demanding. What happens to my contributions to HSA for example and distributions from my investments? It may just be that everyone else has their Medicare card and you can’t understand why they are not sending yours. What has being married or just in a civil union got to do with my premiums. Why is it that the moment you get to any website, they first want to profile you before they even begin to give you information? They start with zip code, age and so on while all that you want is fact-finding and not |
ready to enroll yet. They start with zip code, age and so on while all that you want is fact-finding and not ready to enroll yet. The truth is that there are 3143 counties in the US with 254 of those in Texas alone and each has its own little caveat to the general rules and rates. Not all carriers meet every need in every county. So, the starting point is to know what to even talk about. The only problem is this, which jacket fits you in person. Noah represents people who have been helping with healthcare before Medicare started and so have been at every table since Medicare started. If Noah does not know, he knows someone who knows. We excel in helping people find proper care unique to them. |
Generally speaking, the more you try to understand the transition from regular healthcare into the Medicare world, the more one seems to appreciate the background decluttering work that human resources department puts into those annual health plans that one just signs off at the office. Honestly, it appears that one has more time working it but you soon realize that making the decisions necessary may not sound so simple anymore. Minor differences in benefits create a confusing array of other considerations.
Plan names appear similar but the trade-off in benefits like dental, vision, hearing and out-of-state travel make careful consideration become challenging. You may not immediately grasp the consequences of terms like HMO and PPO and their variants until you discover that choosing a plan acceptable to your doctor and dentist available in your zip code may not carry favorable premiums or drug costs.
This is where Noah comes in helping you to sort through the gamut of 100s of potential plans, and trust me it's 100s and counting. Noah helps breakdown what your priorites should be, and tailors them to the nearest possible 5 or less matches to give you room to make informed decisions about:
You got the mail that you are now qualified for Medicare. Question becomes what next? The instructions never tell you that decision-making will be like choosing a new college or career. You probably just thought that its like the regular annual enrollment. Well, honestly, it is, except that the first time you move ver to medicare plans, you must clear the clutter yourself. No human resources personnel help to prepare nice looking tables. Uhm, as if those were not complicated enough!
Even so, it's not as scary as it appears. It's just a lot of repetitve information called different names by different companies. Be sure that this is one of the most highly government regulated markets and the regulators do a lot of work simplifying the language. This is where Ask Noah begins his work, by helping you to understand what you may need to know from all possible options even before trying to know they are called.
So, we start out explaining how Medicare differs from your current healthcare plan. Then, what exactly are your healthcare needs in the coming years. Are you still working, retired or thinking you can afford to retire or are you actually working on your retirement plan? Honestly, when these are matched with your current zip code, you can be sure that the field would have been so narrowed down and you wonder, why so much confusion.
It does not matter that you have special needs or expensive employer coverage, Noah will help you make sense of it all.
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