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When you retire, you will have to make some decisions when it comes to your healthcare planning. These decisions will depend on if your employer offers healthcare in retirement, whether you were self-employed, if you have a spouse that is still working - and finally, your age at retirement. 



    Medicare is a federal program for people that are 65 years of age and older or for those under the

age of 65 with certain disabilities.

Medicare is not free and it will come with a cost and there are certain things that are covered as well as things that are not covered.  Medicare part B is not free, you will pay a premium and depending on your last two years of Adjusted Gross Income (AGI) you could pay even more money (IRMMA). Your Part B premium more than likely will be deducted from your Social Security check monthly.

medicare solutions

Medicare alone will leave you to pay co-pays, co-insurance and deductibles and more importantly, after you pay the co-Pays, co- Insurance and deductibles you will be left paying 20% of the bill while Medicare pays the 80% of approved charges.


The 20% co- insurance is unlimited, this is why you decide on a Medicare Supplement or a Medicare Advantage plan to help cover the out of pocket exposures.

Let SMG help you understand the Medicare maze with our knowledgeable Medicare specialists that are here to provide you unbiased information.

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