The Coast News Group

Turning 65 this year? Understand your options for Medicare coverage

It’s a great start, but it never was designed to cover everything. For example, I only pay 80 percent for the Medicare allowed amount covered healthcare expenses. The rest comes out of your own pocket, so you’ll want to review your choices for getting coverage beyond Original Medicare, depending on your personal situation.
At a minimum you will want to have Part D drug plan coverage. Even if you are still working or retired and are covered by your company’s health plan, you are probably paying something every month. Now that you are about to turn 65, you could get on a Medicare Advantage Plan where the monthly premium is $0.
Another option would be a Medicare Supplemental Plan that usually has lower premiums than most company insurance plans. Selecting the right coverage can be confusing, and making the right decision might be more complex than you expect. You have a window of opportunity: 3 months before your 65th birthday month, the month of your 65th birthday, 3 months after your 65th birthday month (7 months),where you can not be denied Medicare Insurance.
By planning ahead, your Medicare cover-age can start on the first day of the month you turn 65.
For more information on your Medicare options, contact Douglas Kerr, Secure Horizon Advisor (Lic #0G64783) at 760-473-7721; e-mail Douglas@Secure or go online to www.Secure
He will make sense out of all the “stuff” you have been getting in the mail.
Doug also does Educational Medicare update presentations for groups.
Doug has lived in Encinitas for 22 years, is a member of the Encinitas Rotary Club and a Chamber of Commerce member.