Financial Freedom:

60 and Beyond

It’s Never Too Late to Embrace Financial Freedom

Retirement should be a time of financial security, peace of mind, and confidence in your healthcare choices. But navigating Medicare, final expense insurance, and retirement planning can feel overwhelming.

I’m here to help! Whether you’re approaching 65 or already retired, this guide will help you make informed decisions about your healthcare and financial future.

Medicare Made Simple: Your Options Explained

Medicare is a crucial part of retirement, but understanding your choices can be confusing. Here’s a breakdown of the key options:

Medicare Advantage (Part C) – All-in-One Coverage

✅ Combines hospital (Part A) and medical (Part B) coverage
✅ Often includes prescription drug coverage (Part D)
✅ May offer extra benefits like dental, vision, and hearing
✅ Has out-of-pocket limits (unlike Original Medicare)

💡 Best for: Those who prefer an all-in-one plan with added benefits and lower out-of-pocket costs.

Medicare Supplement (Medigap) – Covering the Gaps

✅ Works with Original Medicare (Parts A & B)
✅ Helps pay for copays, deductibles, and coinsurance
✅ Gives you freedom to see any doctor who accepts Medicare
✅ No restrictive networks – travel anywhere in the U.S.

💡 Best for: Those who want to keep Original Medicare but avoid high out-of-pocket expenses.

Final Expense Insurance – Protect Your Loved Ones

Many families face unexpected costs when a loved one passes away. Final expense insurance helps cover:

✔️ Funeral & burial costs (which can range from $8,000-$15,000+)
✔️ Medical bills & outstanding debts
✔️ Other end-of-life expenses

This affordable life insurance ensures your loved ones won’t be left with financial stress.

💡 Best for: Those looking for affordable, guaranteed-acceptance coverage to protect their family’s finances.

How to Sign Up for Final Expense Insurance: Steps & Required Documents

"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area, which are plans offered by 13 organizations. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options."