Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.
Medicare Advantage plans work in place of Part A and Part B coverage. The coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. Some plans offer additional benefits.
Medicare Supplement (Medigap) insurance fills in the gaps to help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. Find a plan that covers your needs.
Attend a free educational Medicare Workshop for an easy-to-undertand explanation of Medicare that will give you the information you need to manage your healthcare costs in retirement. We offer several workshops throuhout the year. Seating is limited, please RSVP.
Seventy percent of people over age 65 will need Long Term Care at some point in their lives. Paying for LTC can be expensive and derail your financial plans for retirement. LTC insurance allows you to shift some of that risk to an insurance company.
Most people spend more time planning a two week vacation than planning their retirement. Creating a strategy that ensures you have enough money as long as you live and making sure you can afford to maintain your lifestyle are important steps in the planning process.
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
Vision insurance helps cover the cost of routine eye exams, contact lenses and glasses. Some vision plans also pay for corrective procedures such as laser eye surgery. Additionally, most plans include one pair of glasses or contacts a year.
Having enough insurance to cover your final expenses and make sure you don't leave a burden of debt can make a huge difference in the lives of your survivors.
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance typically pays a lump sum. Additionaly, some policies may pay a monthly cash benefit.
Make sure your family is taken care of when you pass away. When you are young that means having insurance to replace your income and pay off your mortgage. As you age, life insurance becomes important for final expenses and legacy gifts. You can also use life insurance as a tool to supplement retirement income or create living benefits.
Disability insurance helps provide security to you and your family if you become disabled and unable to earn an income. It pays a portion of your monthly income to help protect the family home, savings accounts, retirement funds and other assets if you become disabled. While life insurance provides protection should you die, disability insurance protects the family should you lose your ability to work.
ABOUT BLUEPRINT INSURANCE
Blueprint Insurance is dedicated to the needs of seniors. As we age, our financial focus begins to shift to retirement and planning for our future. You have questions about Medicare, Long-Term Care insurance, Final Expenses, and Retirement Income. Blueprint Insurance exists to answer those questions and help you plan Your Future, By Design.
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Choosing between a Medicare Supplement and a Medicare Advantage Plan depends upon your plans for travel, choice of doctors, preferred hospitals, prescription drugs, financial resources, and your goals for control over your options for care. We will walk you through your goals, and find the best plan for you.
Seventy pecent of couples over age 65 will incur Long Term Care expenses.
Medicare does not cover the cost of custodial level care, and the care can cost thousands of dollars per month. Once retirement savings are exhausted, and you are impoverished per the state Medicaid guidelines, then Medicaid will begin paying for your care in a Medicaid approved facility.
Another option is to transfer this risk of LTC expenses through private LTC insurance stategies.
The reasons to have life insurance in place likely change as you approach retirement. Repurposing or adding life insurance coverage to cover final expenses, LTC and chronic illness costs, adding an income stream, or leaving a legacy gift to loved ones or charities may be an important part of your retirement plan.
Timing of the decision to begin your social security income for married couples is very important and can create large differences in the amount of benefits you and your spouse will receive over your lifetimes. Having a qualified professional determine the best strategy to maximize your social security benefits can be highly valuable.
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