Hurst Health Insurance

Medicare is a great start to your retirement health coverage, but it’s not the whole picture.

When you turn 65, you’ll be eligible for Medicare, but that doesn’t mean you’re covered for everything. There are many gaps in Medicare coverage, and you may need to purchase additional insurance to fill those gaps.

Here are some of the reasons why you might need more insurance than just Medicare:

• Medicare doesn’t cover all of your medical expenses. For example, Medicare doesn’t cover dental, vision, or hearing care. It also doesn’t cover long-term care, such as nursing home care or home health care.
• Medicare has high deductibles and copays. The amount you have to pay out of pocket for medical care can be high, even with Medicare.
• Medicare doesn’t cover all of the doctors and hospitals in your area. You may have to find a doctor who accepts Medicare, and you may not be able to go to the hospital of your choice.

If you’re concerned about the gaps in Medicare coverage, you have a few options. You can purchase additional insurance, such as a Medigap policy or a Medicare Advantage plan. You can also consider buying long-term care insurance.

Medigap policies are private health insurance plans that can help you pay for the gaps in Medicare coverage. They come in a variety of plans, so you can choose one that fits your needs and budget.

Medicare Advantage plans are private health insurance plans that are run by private companies. They offer all of the benefits of Medicare, plus some additional benefits, such as dental, vision, and hearing care.

Long-term care insurance can help you pay for long-term care, such as nursing home care or home health care. It’s important to buy long-term care insurance when you’re young and healthy becausee the cost of insurance goes up as you get older.

If you’re not sure what type of additional insurance you need, an Ashford Insurance Group insurance agent. They can help you compare your options and choose the right plan for you.