Are you on Medicare and still working?

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If you’re still working but have reached the age of 65, does it make better sense to stay on your employer-sponsored health plan or make the move to Medicare?

By Carl Lishing, HealthMarkets Insurance Agency

If you’re still working but have reached the age of 65, does it make better sense to stay on your employer-sponsored health plan or make the move to Medicare?

Yes, no, and maybe.

See, it all depends on what your individual circumstances are. Most people think that because they’re still in the working world, they should remain on their company-sponsored health plan. It’s familiar, but it might not be the best option. If you’re single, it could be beneficial to move over to Medicare. If you’re married, your spouse isn’t yet 65, and he or she relies on you for health care coverage, it might be better if you stayed put.

Depending on your deductible and the monthly cost of your current healthcare coverage, it might make sense to move over to Medicare.

What’s important to note is that everyone doesn’t have the same need, regardless of whether they’re 65 or not. That’s why a free review is so important. I’ll sit down with you to discuss the ins and outs of Medicare, and the details pertaining to your situation. Then, together, we’ll come up with a plan that works best for you—now and into the future.

The point is that no one wants to spend money on health care if they don’t have to. By meeting with me, you might be able to free up enough cash to divert to your retirement plan or IRA—and it won’t cost you a dime to find out. Give me a call to schedule your personal appointment.

Carl Lishing, of HealthMarkets Insurance Agency, is located at 16506 Detroit Avenue, in Lakewood. Office hours are Monday-Friday, 9:30 a.m.-5:30 p.m.; evenings and weekends by appointment. Find out more at ClevelandInsurance.info. The phone number is 216-228-0765.

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Agents may be compensated based on enrollment. No cost or obligation to enroll. HMIA006518
Categories: Westside Professional Services