Insurance Solutions for a Secure Retirement
Simplifying Medicare and Retirement Insurance Choices
Planning for retirement brings many decisions, and insurance is one of the most important. If you are approaching age 65 or already retired, you’ve probably noticed the flood of advertisements for Medicare, drug coverage, dental and vision insurance, and more. The options can feel overwhelming.
At Professional Benefit Solutions, we simplify the process by focusing on you – not the glossy mailers. We take time to understand your needs, goals and concerns, then help you select the right coverage to protect your health and financial security in retirement.
It’s important to know that Medicare comes with critical deadlines. For example, you must apply for Medicare Part A within three months before or after your 65th birthday, even if you’re still working or covered under a spouse’s plan. We can guide you through the enrollment process and explain your options for supplemental coverage, so you avoid costly mistakes.
We also recognize that couples often reach Medicare eligibility at different times. That’s why we create strategies to cover spouses and dependents during the transition, ensuring your entire family remains protected.
From Medicare Supplements and Advantage Plans to life insurance, long-term care, dental, vision, and short-term health insurance, our goal is to give you confidence and clarity as you move into retirement.
Medicare Supplements
Medicare Part A is for Everyone! We can help you sign up about 90 days before you turn 65. Supplemental Policies cover the things Medicare doesn't - like routine visits to your health care provider or medications you might need or even your co-pays so there are never any surprises!
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Medicare Advantage
Medicare Advantage Plans combine many of the insurance products you had when you were working. It could include dental or vision care along with pharmacy co-pays. Once we understand what types of things you need, we can help you decide whether an Advantage Plan may make more sense than buying supplements individually. AND, of course, we'll need to make sure that the medications you need are covered by the plan you are picking!
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Long Term Care
Nobody really wants to move to assisted living or need nursing home care. Nobody really wants home health services. Sadly, about 70% of us will require nursing home, skilled care or home health care during their life times. Long Term Care Insurance has become one of the most important investments in keeping families financially secure and assets protected. We’ll help you find a plan that protects your assets and give you peace of mind.
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Life Insurance
Life Insurance needs change as your need to provide for loved ones evolves over time. Maybe you have already paid off your mortgage. Maybe you have other loans that you want to make sure your family is able to pay off should something happen to you. Perhaps you want the peace of mind in knowing your final expenses are covered. Maybe you want to leave funds for your grandchildren to go to college or to assist them as they start their adult lives. Whatever your life story, we can help.
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Vision Insurance
Basic Medicare does not include trips to an eye doctor, yet checkups are needed annually to maintain eye health. Glasses need to be kept up to date, and the necessity for cataract surgery develop. During the open enrollment period, let us help you select the right Vision Care Policy that will cover the types of eye care you'll require as your eye health needs change.
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Dental Insurance
Without Dental Insurance, a trip to the dentist can be a very expensive experience. While Dental coverage is not included in your Medicare Plan, you do have the option of purchasing a policy to cover dental care. Rest easy knowing that a Dental policy covers two annual visits to the dentist, routine x-rays and fillings along with some of the more extensive contingencies that face you as your teeth age.
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Short-Term Health Insurance
Short-Term Health Insurance Plans can provide health coverage if you are between jobs, in college, or if you are a younger spouse or the dependents of someone who has just become eligible for Medicare. These plans typically extend for 18-24 months while you are searching for a new job, aging into Medicare or working to graduate.
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Cancer Insurance
A cancer diagnosis is not just emotionally devastating for the patient and their family. It is often a financially destabilizing event. Providing optional cancer insurance for employees and their dependents offers your staff the ability to protect themselves financially should cancer care be necessary.
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Breast Cancer Awareness
Knowing the Symptoms Saves Lives! 12% of all new cancers, and 25% of all new cancers in women are breast cancer. As we enter Breast Cancer Awareness Month, it is a good time to remind ourselves that men get breast cancer also. And it is the perfect time to review the symptoms of the most common types of breast cancer....
Suicide Prevention
9881-800-273-TALK There is a very real consequences of lingering isolation, a return to our new normal, the unrest in the country, the loss of economic security and the changes in the ways we communicate have left people at a higher risk of self-harm. #Bethe1To Ask is the Suicide Prevention Week goal. It asks that we not...
Life Insurance Protects In Several Ways
There are a three different ways to think about life insurance. The first, and most obvious, is that it is a tool to assure that your family will have the financial resources to pay for mortgages, utilities, pay off big ticket items like cars, send children to college, and continue to survive financially if something...
Younger Spouse
Life Cycle Changes. When you were married, the fact that one of you was a few years younger didn’t seem like such a big deal. But when you are 65 or older and the one with the job that has the health insurance benefits, retirement can be complicated. At Professional Benefit Solutions we are asked all the time to find a...
Catch Oral Cancers Early
Every professional organization that has an interest in oral health have banded together to make the month of April a time to focus on Oral and Pharyngeal Cancers. Each year about 45,000 Americans are told that they have oral cancers, those that occur in the mouth or pharyngeal cancer which grows in the back of the throat...
Medicare Advantage Enrollment
Medicare Advantage Open Enrollment! Retirees who have selected Medicare Advantage Plans have an opportunity to make changes between January 1 – March 31. Unlike open election periods in the fall of each year, when Medicare recipients can make changes and then change their minds, this period allows you to make one change...
Medicare Election Time
October 15 - December 7 Just like when you had insurance through work, insurance plans need to be updated periodically and with Medicare, they need to be updated as your health needs change! Once each year you are given a time each year to make changes to your insurance plan. As we age, sometimes our needs change and...
Getting Insurance Right for Your Business
Any senior who has attempted to navigate the Medicare enrollment process can tell you that feeling comfortable that you have found the best value for your money and the best plan for your actual needs can be harrowing. On a daily basis we assist those who are reaching the age of 65, including those who plan to continue...
Medicare Advantage Plans Open Enrollment!
Retirees who have selected Medicare Advantage Plans have an opportunity to make changes between January 1 – March 31. Unlike open election periods in the fall of each year, when Medicare recipients can make changes and then change their minds, this period allows you to make one change if you are enrolled in a Medicare...