Unfortunately, Medicare is anything but simple, and the time when you first qualify for Medicare is a critical one. If you make the right choices, you can be protected for life, and receive all sorts of benefits. Get bad advice and make mistakes? You could be paying penalties and/or lose benefits for the rest of your life.

Some specific things you must know as you age into Medicare:

• Medicare does not cover prescription drugs. You have to enroll in a separate Rx plan called a PDP.
• Medicare charges you 20% of all outpatient doctor visits. This can be a crushing financial blow if you have a serious condition, but it's easy to cover this exposure with the right advice, no matter your financial situation.
• Medicare doesn’t automatically give you dental, vision or hearing coverage. These are plans you have to elect into. We can often get them for you at $0 additional cost.
• The time when you first qualify for Medicare is a really important one, and there are real penalties for getting things wrong. We make sure this never ever happens to our clients.