Medicare is a government-sponsored plan for anyone over 65 and is automatically eligible for healthcare. You don’t need to sign up for health insurance with a private company and are qualified once you reach this age.
The challenge is that senior citizens are not aware of what is covered by Medicare or how to fill any gaps. For instance, a study from Better Alliance found that half of those in Medicare did not realize they must have supplemental plans for items not paid for by Medicare. These issues create financial hardships on senior citizens when something happens, and they are not protected from injury or medical treatments.
A Medicare consultant can help you to find the right amounts of coverage and ensures you are fully protected. These professionals look over everything and ensure that you have what you need for those events that come up. Here are some examples of how these consultants can assist you with your Medicare coverage.
Dental
Medicare does not cover dental issues, and you should have a separate policy for routine checkups, cleanings, fillings, x-rays, extractions, root canals, or dentures. You will require dental insurance to cover these costs and pay a premium for the protection.
A consultant can help you understand your Medicare policy and give you objective advice to fill any holes. Dental is one area where you are not covered, and you might not find this out until after something happens. These professionals are trained experts in Medicare and work with you to learn about the policy and address any gaps.
Golden Guardians are here to help with our knowledge, experience, and expertise on Medicare policies. Since 2000, we have been fighting for seniors and helping them to address any shortfalls in coverage. We work for you and are someone that assists you to get the most out of your Medicare.
Home Healthcare and Nursing Homes
As you become older, the odds increase that you will require assistance in performing some of the most basic tasks. That is routine such as personal hygiene, going to the restroom, eating, and taking medication. In these situations, you will require an in-person home healthcare assistant or stay in a nursing home. Medicare does not cover these costs, and you only have a couple of options to include qualifying for Medicaid or long-term care coverage.
Staying at a facility can become expensive and eat away at your savings, such as life insurance, cash reserves, and investments. Long-term care insurance helps, and you will never lose coverage regardless of age or health condition.
A consultant can help you to understand your options and find long-term coverage that works for you. We are professionals with experience in Medicare products and know what to do to get you the right one.
Golden Guardians provide Medicare help to you and can assist in locating coverage for dealing with these challenges. We work on denial of coverage, billing, finding a doctor, locating additional coverage, and more. We are your go-to source for understanding and adjusting to the coverage Medicare provides.
Prescription Drugs
Medicare does not cover prescription drugs, and you will have to enroll in a Medicare Advantage plan or Part D. You will pay a premium for coverage and receive discounts on the medications you require. Things can get confusing about what is covered and if you have the total amount of protection.
A Medicare consultant can help you with all of these issues and assist you in finding a plan that works for your situation. We work for you and are your experienced advocates that understand Medicare and how to fill any gaps in coverage.
Golden Guardians know everything about Medicare, and we are here for seniors to address these requirements. You don’t have to do everything by yourself and can rely on a trusted partner that helps you.
A Medicare consultant can help you to fill any gaps and find the best coverage for your Medicare. Call Golden Guardians today at 954-345-1214 and let us assist you in getting the protection you deserve. We are advocates that help you to have the coverage you need and show you how to avoid any lapses. We are located in Coral Springs and serve all of South Florida to ensure you have the proper amounts of Medicare coverage.