The first thought in the minds of many people would be that seniors do not need dental plans because they have no teeth. In previous generations, this would have been more true than it is today. With improved health and increased longevity, seniors often have most of their natural teeth far into their golden years. Some still have them into their 90’s and beyond.

If you retire (get more freedom) when you turn 65 and/or you want out of your employer plan, you can get Part B (Part A is for hospitalization, and Part B is for outpatient stuff, like doctor visits, exams, x-rays, etc.).

The second part of the question is a pre set appointments final expense leads plan (our example at $1500 annually) versus advantage plan which may have low or no cost. We addressed the comparison of Medigap versus Advantage in a whole separate article since we’re not comparing apples and oranges. Hopefully, we showed where the risk/reward lies between Medigap and just having traditional Medicare.

Has your retirement account gone down? This is common because the stock market has been unstable lately. Another problem is that interest on bank accounts or bank certificates of deposits (CDs) has been very low. This is a big problem if you are trying to do some retirement planning in the near future! I wish there were simple solutions to these current problems.

True. Neither will medicare supplements. These programs will pay only for limited nursing home or home health care, and only after a patient is discharged from the hospital.

There is not a single one policy fits all solution available! Do your clients a favor.Tip: If you are going to consider yourself an LTCI expert, have enough of an arsenal at your disposal.

This can save you a lot of time and money. You can make a choice between the few matches that the system provides, or you can decide you want to keep looking. Either way, it should help you find the best plan for a person like you.