Protect More Than Your Health. Protect Your Retirement.

Medicare Advantage plans are another way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare.

Medicare Supplement insurance works alongside Original Medicare and helps pay certain out-of-pocket costs.

The right choice depends on your doctors, medications, travel preferences, budget, health needs and personal priorities. Phoenix 1948 can help you understand the differences and evaluate the options available to you.

You may still want to consider creditable prescription drug coverage.

Going without qualifying drug coverage after becoming eligible for Medicare can potentially result in a Part D late enrollment penalty later.

Your individual circumstances matter, so it's important to understand the rules before deciding.

Medicare's Annual Enrollment Period, commonly called AEP, runs from October 15 through December 7 each year.

During this period, eligible Medicare beneficiaries can make certain changes to Medicare Advantage and prescription drug coverage for the following year.

Yes.

Medicare plan premiums, benefits, prescription drug formularies, pharmacy arrangements and provider networks can change from year to year.

Your health, prescriptions, doctors and priorities can also change. An annual review can help determine whether your current coverage continues to fit your needs.

Medicare and Medicare insurance products are primarily designed to help address covered healthcare expenses.

But a serious illness, hospitalization or accident may create additional financial pressure, including deductibles, copays, travel expenses, household costs and other unexpected expenses.

Depending on the policy, products such as hospital indemnity, cancer, heart attack, stroke and accident coverage may provide benefits that can help with expenses associated with a covered event.

A good place to start is by identifying your essential monthly expenses, guaranteed income sources, retirement assets and potential financial risks.

Phoenix 1948 can help you explore retirement income strategies, including certain annuity solutions, that may be appropriate for creating a more predictable source of income throughout retirement.

Any recommendation should be based on your individual situation, needs and goals.

An annuity is a contract issued by an insurance company that can be used as part of a retirement income strategy.

Depending on the type of annuity, features may include principal protection, tax-deferred accumulation and options for guaranteed lifetime income.

Annuities are not appropriate for everyone. Product details, surrender periods, limitations and other considerations should be carefully reviewed before making a decision.

Medicare generally does not cover ongoing custodial long-term care, such as extended assistance with activities of daily living.

Medicare may cover certain limited skilled nursing or home health services when specific requirements are met.

Because extended care can significantly affect retirement assets, planning for long-term care can be an important part of a retirement strategy.

No. There is no fee or charge to you for working with Phoenix 1948 for your Medicare insurance needs.

When you enroll in a Medicare insurance plan through our agency, you pay the same carrier-established plan premium you would pay if you enrolled directly with that insurance company.

Working with Phoenix 1948 does not increase the premium established by the insurance carrier, and it does not reduce or change the benefits of the plan.

We represent multiple insurance companies and can help you compare the Medicare plans we are authorized to offer in your area.

Instead of trying to sort through Medicare alone, you have an experienced resource who can explain the differences, answer questions, assist with enrollment and continue helping you after the enrollment is complete.

Our Medicare education, plan comparisons, enrollment assistance and ongoing service are provided at no additional cost to you.

If you enroll in a Medicare insurance plan through Phoenix 1948, the insurance company may compensate our agency.

Absolutely.

Many of the people Phoenix 1948 helps are already enrolled in Medicare.

We can help review your current situation, discuss potential changes and explain which Medicare enrollment periods may apply to you.

No.

Sometimes the best decision is to keep the coverage you already have.

Our goal is to help you understand your options and make an informed decision based on your needs — not to change a plan simply for the sake of changing it.

Yes.

Medicare is an important part of retirement planning, but it isn't the only concern retirees face.

Phoenix 1948 also helps clients explore retirement income strategies, annuities, asset protection, long-term care planning and supplemental gap protection such as hospital indemnity, cancer, heart attack, stroke and accident coverage.