Becoming Medicare-eligible is a significant milestone for many Americans, but it’s important to keep in mind that Medicare isn’t without flaws. Anticipating your healthcare needs as you get older and understanding the coverage options available will have a significant impact on your long-term financial well-being.

Your healthcare needs are unique, and there’s no such thing as a one-size-fits-all Medicare or private insurance plan. We’ll help you assess your Medicare options and determine if you need additional coverage through private or employer-provided insurance.


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Is Medicare the best option for your financial plan?

It may not seem obvious at first, but your Medicare choice is a major element of your financial plan. Even if you’re generally healthy today, unexpected events could result in huge medical costs and derail your financial plan if you don’t have the appropriate insurance coverage in place. Ask yourself some basic questions to determine your Medicare and health insurance needs.

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Will you need to pay for monthly prescriptions/medications?

Medicare Parts A and B don’t provide coverage for prescriptions, so you’ll need to take out Part D coverage, which comes with a higher premium.

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Will you need dental coverage?

Medicare doesn’t cover most dental care, so you’ll likely have to take out a separate private dental insurance plan.

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Will you need glasses or hearing aids?

Medicare doesn’t cover exams related to obtaining prescription glasses or hearing aids, so you’ll need to supplement Medicare with private insurance for these services.

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Do you anticipate needing long-term care (also called custodial care)?

Medicare and most private insurance plans have very limited coverage for long-term care services such as assisted living, in-home nursing, memory care, and homemaker assistance. A private long-term care plan will help you cover these costs.

Medicare Related Resources

Related Resources

10 Questions to Ask Your Financial Advisor

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Join us for a complimentary retirement analysis.

Whether you need help getting started on the road to retirement or just have questions about your current financial situation, we’ll sit down with you to identify critical areas for retirement success and provide answers to the most important questions every retiree should be asking.
Bane O'Leary