igoradiya's picture
From igoradiya rss RSS  subscribe Subscribe

Netbenefits 

http://www.theretirementgroup.com/new/retiregroup2/content.asp?contentid=2017539047 Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they also discover that our staff truly cares about making their dreams a reality.We do everything in our power to keep our clients focused on where they want to go, advise them on how to get there, and continually remind them of the importance of maintaining a disciplined approach to realizing their dreams.

 

 
 
Tags:  Netbenefits  Hewitt Resources 
Views:  134
Published:  July 08, 2011
 
0
download

Share plick with friends Share
save to favorite
Report Abuse Report Abuse
 
Related Plicks
The Retirement Group

The Retirement Group

From: igoradiya
Views: 227 Comments: 0
http://www.theretirementgroup.com/new/retiregroup2 Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they also discover that our staff truly (more)

 
 Hewitt Resources

Hewitt Resources

From: igoradiya
Views: 144 Comments: 0
http://www.retirekit.com/401k/hewitt-resources-401k/ Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they also discover that our staff tr (more)

 
Hewitt Resources

Hewitt Resources

From: igoradiya
Views: 203 Comments: 0
http://www.theretirementgroup.com/new/retiregroup2/content.asp?contentid=2017539048 Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they a (more)

 
Netbenefits

Netbenefits

From: igoradiya
Views: 244 Comments: 0
http://www.retirekit.com/401k/netbenefits/ Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they also discover that our staff truly cares a (more)

 
Netbenefits

Netbenefits

From: igoradiya
Views: 183 Comments: 0
http://www.theretirementgroup.com/new/retiregroup2/content.asp?contentid=2017539047 Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they a (more)

 
Netbenefits

Netbenefits

From: shaileshsavaj
Views: 103 Comments: 0
http://trgcapital.blogspot.com/ Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they also discover that our staff truly cares about making (more)

 
Netbenefits

Netbenefits

From: igoradiya
Views: 181 Comments: 0
http://www.retirekit.com/401k/netbenefits/ Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they also discover that our staff truly cares a (more)

 
See all 
 
More from this user
Chevron Federal Credit Union

Chevron Federal Credit Union

From: igoradiya
Views: 193
Comments: 0

Artisans

Artisans

From: igoradiya
Views: 131
Comments: 0

demande devis travaux

demande devis travaux

From: igoradiya
Views: 354
Comments: 0

Hewitt Resources

Hewitt Resources

From: igoradiya
Views: 473
Comments: 0

Tradesmen

Tradesmen

From: igoradiya
Views: 185
Comments: 0

 
See all 
 
 
 URL:          AddThis Social Bookmark Button
Embed Thin Player: (fits in most blogs)
Embed Full Player :
 
 

Name

Email (will NOT be shown to other users)

 

 
 
Comments: (watch)
 
 
Notes:
 
Slide 1: Buying Supplemental Health Insurance: Medigap Medicare won't cover all of your health-care costs during retirement, so you may want to buy a supplemental medical insurance policy known as Medigap. Offered by private insurance companies, Medigap policies are designed to cover costs not paid by Medicare, helping you fill the gaps in your Medicare coverage. When's the best time to buy a Medigap policy? The best time to buy a Medigap policy is during open enrollment, when you can't be turned down or charged more because you are in poor health. If you are age 65 or older, your open enrollment period starts when you first enroll in Medicare Part B. If you are not yet 65, your open enrollment period starts when you turn 65 and then lasts for six months. A few states also require that a limited open enrollment period be offered to Medicare beneficiaries under age 65. If you don't buy a Medigap policy during open enrollment, you may not be able to buy the policy that you want later. You may find yourself having to settle for whatever type of policy an insurance company is willing to sell you. That is because insurers have greater freedom to deny applications or charge higher premiums for health reasons once open enrollment closes. What's covered in a Medigap policy? Under federal law, only 10 standardized plans can be offered as Medigap plans (except in Massachusetts, Minnesota, and Wisconsin, which have their own standardized plans). The plans currently sold are Plans A-D, Plans F and G, and Plans K-N. Each Medigap plan offers a different set of benefits. All cover certain out-of-pocket costs, including Medicare coinsurance amounts. Some plans also cover other costs, such as all or part of Medicare Part A and Part B deductibles, foreign travel emergency costs, and Medicare Part B excess charges. You can buy the Medigap plan that best suits your needs. But it's important to note that not all Medigap plans are available in every state. Are all Medigap policies created equal? Generally, yes. Although Medigap policies are sold through private insurance companies, they're standardized and regulated by state and federal law. A Plan B purchased through an insurance company in New York will offer the same coverage as a Plan B purchased through an insurance company in Texas. All you have to do is decide which plan that you want to buy. However, even though the plans that insurance companies offer are identical, the quality of the companies that offer the plans may be different. Look closely at each company's reputation, financial strength, and customer service standards. And check out what you'll pay for Medigap coverage. Medigap premiums vary widely, both from company to company and from state to state. You can find a tool on the Medicare website (www.medicare.gov) that will help you compare Medigap policies offered in your area. Does everyone need Medigap? No. In fact, it's illegal for an insurance company to sell you a Medigap policy that substantially duplicates any existing coverage you have, including Medicare coverage. In general, you won't need a Medigap policy if you participate in a Medicare managed care plan or private fee-for-service plan, or if you qualify for Medicaid or have group coverage through your spouse.
Slide 2: You may also not need to buy a Medigap policy if you work past age 65 and have employer-sponsored health insurance. If you find yourself in this situation, you may want to enroll in Medicare Part A, since it's free. Remember that if you enroll in Medicare Part B, your open enrollment period for Medigap starts. If you don't buy a Medigap policy within six months, you may be denied coverage later or charged a higher premium, so you may want to wait to enroll in Medicare Part B until your employer coverage ends. In addition, you may not need to buy a Medigap policy if you are covered by an employer-sponsored health plan after you retire (e.g., as part of a retirement severance package). In this case, your employer's plan may cover costs that Medicare doesn't. If you have any questions about your coverage, talk to your employer's benefits coordinator. Ishan Goradiya is freelance writer and loves to write about financial planning. These days he is writing on Netbenefits.

   
Time on Slide Time on Plick
Slides per Visit Slide Views Views by Location