Why use Astute Retirement for Medicare?

First, we will clarify the confusion and assist you in understanding and making the best choices.

Should you be in Original Medicare with a supplement or Medicare advantage?

There are advantages and disadvantages to both. I will explain them, and you will be able to make a clear choice.

Do you want greater doctor flexibility, knowing that it costs more Original Medicare and a supplement.

Or do you want to (need to) save money and have some plan and doctor limitations, Medicare advantage?

Do you want extra ‘free’ benefits such as dental, vision, transportation? I will explain the ‘not free’ nature of these ‘free benefits’ to you in a way most Medicare agents won’t. You will then be able to make an informed decision.

Do you use a lot of medical services? Do you have existing or chronic conditions or are you generally healthy. There is no right or wrong here. However your level of utilization is relevant in selecting the right coverage.

Second, and this is a big advantage in working with me, I am 68.

I have been in Medicare for almost four years. In that time I have seen and experienced virtually everything that can happen in Medicare, good and bad, including:

• Having a Medicare salesman give incomplete or bad advice, which cost me thousands of dollars.
• Being overcharged on part B premium by Medicare. This can be rectified although it is difficult.
• Having coverage denied after the doctor assured me it would be covered.
• Dealing with income variance which affects how much you pay. Yes, the more money you make (including investment income), the more your Medicare costs. There are some ways to manage this that are not well known. I can help you with them.
• How to best deal with high drug costs (if you incur them). I did.
• Coverage for denials and appeals

I possess firsthand experience on the issues, problems, and challenges with Medicare. I can help you avoid or fix those problems.

I welcome the opportunity to work with you.