A financial adviser recently referred a couple to us. They were approaching age 65 and struggling to determine their Medicare path and associated costs. They were weighing their options for the time when the husband retires and loses his employer’s health insurance coverage — the assumption being that they would both stay on the employer insurance until that point.
Upon review of their current plan, we presented the case for having the non-working spouse transition to Medicare for equal coverage at a lower cost as soon as she is eligible. They hadn’t even considered that strategy, and we were happy that our consultation gave them clarity and peace-of-mind.
No one needs to face health insurance decision-making alone. Now, and if your circumstances change, we are happy to act as your own personal HR adviser, and are grateful for our ongoing relationships.