No Compromise, Just Maximize.
Because It’s Time To Seek Financial Advice From Experts
100%
Broker Operated
10+ Carriers
Top Rated Carriers to meet your insurance needs.
Tailored Service
Individually prepared and assembled to meet your needs.
At Retire.Plus, we're thrilled to be a 100% broker-operated brokerage. We're supported by over 10 premier Medicare and life insurance carriers such as Humana, Anthem, UHC, Wellcare, Devoted, and Aetna. We believe everyone has unique insurance needs, which is why our dedicated and skilled team focuses on creating custom-tailored plans that align perfectly with your specific wants and needs. With us, navigating the complex world of insurance is smooth and worry-free. Choose Retire.Plus and experience the joy of having coverage solution designed just for you
Because It's Time to Seek Medicare Guidance
Our mission is to help you retire with confidence and live the good life in your golden years. We know that retirement planning should be personalized, comprehensive, and effective, and we're here to make that happen for you.
We Are Here To Help You Secure Benefits
Our mission is simple: We are here to help you secure the Medicare benefits that are rightfully yours. Our process is a blend of personal attention and professional expertise. It all starts with a phone call, where we gather essential information about your doctors, medications, and more. We then schedule a follow-up appointment to delve deeper into your specific needs. Following this, we conduct a thorough 'differential diagnosis' style review with our expert team, akin to doctors consulting on a patient's care. This ensures we recommend the most suitable plan that caters to your unique requirements. Finally, we present the recommended plan to you. If it aligns with your needs and you're satisfied, we proceed with enrollment. However, if your current plan is still the best fit, we'll confirm this, providing reassurance that your existing strategy is indeed the best one for your current situation. With Retire.Plus, you're not just getting a broker – you're gaining a dedicated partner committed to your health and well being.
01
Introduction Call
We kick things off with a friendly call to introduce ourselves. During this call, we aim to gather available information such as details about your doctors, medications, and any additional information as needed.
02
Appointment Setup (if necessary):
If more information is needed to fully understand your situation and requirements, we schedule a follow-up appointment. If we have all the necessary information, we proceed directly to step 3, the Expert Review.
03
Expert Review
Our team conducts a collaborative review, like a medical 'differential diagnosis', to recommend the most suitable plan for you.
04
Plan Confirmation and Enrollment
Finally, we present the proposed plan. If it's a perfect fit, we move forward with enrollment. If your existing plan still works best, we reassure you that your current strategy is ideal for your situation.
No Compromise, Just Maximize.
It's Time to Trust Retire.Plus - Your Partner in Navigating Insurance Plans from America's Most Reputable Carriers
- Humana: Founded in 1961, Humana now serves over 20 million members and is recognized for its extensive network and range of comprehensive insurance plans.
- Anthem: With over 73 million people served, Anthem is one of the largest health benefits companies in the U.S., known for their commitment to improving health and well-being.
- UnitedHealthcare (UHC): As a part of UnitedHealth Group, the largest single health carrier in the U.S, UHC serves millions of people from their earliest years through their working lives and into retirement.
- WellCare: Serving approximately 6.4 million members as of September 2020, WellCare specializes in government-sponsored health care programs, focusing on Medicaid and Medicare.
- Devoted Health: A new, innovative Medicare Advantage company, Devoted Health emphasizes preventative care and high-quality health care services with a dedicated, personalized approach.
- Aetna: Aetna, a CVS Health company, serves an estimated 39 million people and is dedicated to providing individuals, employers, health care professionals, and others with innovative benefits, products, and services.
These companies stand out for their years of service, expansive reach of plans, large customer base, and commitment to customer service.
The Medicare Alphabet: Understanding Parts A, B, C, and D
The Medicare Alphabet: Understanding Parts A, B, C, and D
Navigating the world of Medicare can be overwhelming, especially when you're bombarded with terms like Parts A, B, C, and D. What do these letters mean, and how do they impact your healthcare coverage? In this blog post, we'll break down the Medicare Alphabet to help you understand each part and make informed decisions.
Part A: Hospital Insurance
What it Covers:
Inpatient hospital stays
Skilled nursing facility care
Hospice care for those who are terminally ill with a life expectancy of six months or less
Some home health care services
Cost: Most people don't pay a premium for Part A, but there are deductibles and co-payments involved.
Who it's For: Anyone who is 65 or older and is eligible for Social Security or Railroad Retirement benefits.
Part B: Medical Insurance
What it Covers:
Doctor visits
Outpatient care
Preventive services like screenings and immunizations
Some home health care services
Cost: The premium for Part B in 2023 is $164.90 for most people, along with deductibles and co-payments.
Who it's For: Anyone who is eligible for Part A and is 65 or older. Younger people with certain disabilities may also qualify.
Part C: Medicare Advantage Plans
What it Covers:
Combines Parts A and B
Often includes Part D
May offer additional benefits like dental, vision, and wellness programs
Some plans also offer prescription drug coverage
Types of Plans:
Health Maintenance Organizations (HMOs)
Preferred Provider Organizations (PPOs)
Special Needs Plans (SNPs)
Cost: Varies by plan and may include additional premiums, deductibles, and co-payments.
Who it's For: Anyone who is eligible for Parts A and B and lives in the plan's service area.
Part D: Prescription Drug Coverage
What it Covers:
Prescription medications
Some vaccines and shots
Cost: The average monthly premium for Part D coverage in 2023 is $31.50, along with deductibles and co-payments.
Who it's For: Anyone who has either Part A or Part B and lives in the plan's service area.
Enrollment and Resources
Enrollment Periods:
Initial Enrollment Period (IEP)
Open Enrollment Period (OEP)
Resources:
Consult a knowledgeable Medicare broker
Understanding the Medicare Alphabet is crucial for making informed decisions about your healthcare coverage. Each part offers different benefits, costs, and eligibility criteria, so it's important to assess your individual needs and consult with a knowledgeable Medicare broker to find the best plan for you. Once you understand the Medicare Alphabet, you can start comparing plans to find the one that best meets your needs and budget. There are many different Medicare plans available, so it's important to compare them carefully before making a decision.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
Bogar@Retire.Plus
702-900-3691