Medicare on My Mind

August 25, 2015 — benefits, health insurance agent, insurance, Medicare, Silver Sneakers

Silver Sneakers

I will only pay four more ridiculously high premiums to the Aetna Insurance Company before we break up forever. They are leaving the state at the end of the year, and I will be eligible for Medicare at the same moment. I think I am lucky with that timing. I will not need to learn about anything other than Medicare, but it is a complicated task. I did not change my private insurance policy when the new regulations came into effect because I had only a couple of years left to use it. Now that I have a chance to design and create a plan that may really benefit my health I am pleased.

My investigation started with a referral for a health insurance agent.  My friend’s agent referred me to a Medicare specialist who will see me this week for an initial appointment.  Karyn Damschen is the agent who will walk me through the basics and help me decide on the best plan for my needs.  After a short phone consultation I was happily relieved to know that an impartial independent representative of all insurance companies can advise and guide my choices.  She works for me but is paid a commission by the insurance company whose policy I purchase.  She also is my support for using the system and making the most of tax credits I may deserve.  I probably could navigate the computer system when the policies and pricing become available in November, but the decision is important. My future health care (at least until the market opens again next year) depends on making a wise purchase.  The more I know the better.  I look forward to the guidance of a professional to help me make a wise decision.

Silver Sneakers is a program I plan to use to pay my health club dues.  My club has the program, so in January I will be able to assign my dues to the insurance company of my choice.  This is a gift that goes on giving.  Now that I have paid into the insurance pools for years and extracted no benefits, I am ready to receive something that I value.  There are specialty classes created for the senior set to enjoy in good health.  My club offers Zumba Gold and a senior strength/flexibility class.  I have not participated, but think it is an excellent idea to give special attention to this part of the population.

Zumba Gold

If you are eligible soon for Medicare I urge you to find an agent to help you make the best of it.  Who knows, maybe I will see you at the Tucson Racquet Club sometime.  I will be there enjoying my excellent benefits.  I will be in the steam room if you need me.