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At RBC Consulting Group, we specialize in providing comprehensive Medicare planning services that ensure individuals and families have the necessary financial security and access to quality healthcare. With our expertise in insurance and financial consulting, we guide clients through the complexities of Medicare to help them make informed decisions.
Medicare is a federal health insurance program designed for people aged 65 and older, as well as certain younger individuals with disabilities. It consists of different parts, each providing specific coverage options:
Understanding the nuances of each Medicare part is crucial for making informed decisions about coverage.
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When it comes to Medicare planning, choosing the right partner is essential. Here’s why RBC Consulting Group stands out:
We follow a comprehensive process to ensure that our clients receive customized Medicare plans that meet their specific needs:
Our Medicare planning services cover a range of important areas to ensure comprehensive coverage and peace of mind:
At RBC Consulting Group, our commitment to providing exceptional financial guidance through Medicare Planning remains unwavering. Our team of experienced and dedicated financial advisors are equipped with the knowledge and expertise to tailor comprehensive strategies that align with your unique financial goals and aspirations. By understanding our approach, we prioritize transparency, objectivity, and accountability, ensuring that our clients’ best interests always come first. Whether you are seeking to grow your wealth, plan for retirement, or navigate complex financial decisions, our Medicare Planning service empowers you to make informed choices, navigate the ever-changing life plan, and achieve lasting prosperity. Trust in RBC Consulting Group to guide you towards a brighter and more secure financial future.
Ready to take the first step towards a secure health care plan? Contact our team of expert advisors today to schedule a consultation or request more information. We look forward to helping you achieve your Medicare goals.
Medicare is primarily available for individuals aged 65 and older who have worked and paid Medicare taxes. Some younger individuals with disabilities or certain medical conditions may also qualify. Eligibility details can vary, so it’s essential to consult with a Medicare expert to determine your specific eligibility.
It’s generally recommended to enroll in Medicare during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday month and lasts for seven months. However, if you continue to have employer-sponsored healthcare coverage, you may be eligible for a Special Enrollment Period (SEP) that allows you to delay enrollment without penalties. Consulting with a Medicare planning specialist can help you understand the timing that best suits your situation.
Medicare consists of different parts that cover various aspects of healthcare:
Part A: Hospital insurance that covers inpatient hospital stays, skilled nursing facility care, hospice care, and limited home healthcare.
Part B: Medical insurance that covers doctor visits, outpatient care, preventive services, and durable medical equipment.
Part C (Medicare Advantage): Privately offered plans that combine Parts A and B coverage, often including additional benefits like prescription drug coverage and dental services.
Part D: Prescription drug coverage available as a standalone plan or included in some Medicare Advantage plans. It helps reduce the cost of prescription medications.
Yes, you have the opportunity to change your Medicare plan during certain periods. The Annual Enrollment Period (AEP) occurs from October 15 to December 7 each year, allowing you to switch Medicare Advantage or Part D plans. Additionally, there are Special Enrollment Periods (SEPs) triggered by specific circumstances, such as moving or losing employer coverage. It’s crucial to review your options during these periods and consult with a Medicare planning professional to ensure the changes align with your needs.
Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. These plans provide an alternative way to receive Medicare benefits, combining hospital insurance (Part A) and medical insurance (Part B) coverage. They often offer additional benefits such as prescription drug coverage, vision, dental, and hearing services. Supplemental insurance plans, also known as Medigap plans, help cover the gaps in Original Medicare (Parts A and B), such as deductibles, coinsurance, and copayments.
How We Work
Schedule an in-depth discovery session to learn more about you and your financial planning history
This meeting allows us to learn about previous financial planning experience, risk tolerance and your unique goals
RBC Consulting Group puts together a customizable personal financial plan using financial tools to meet your needs
Once our clients review and confirm the customized plan meets their needs, we get them signed up and onboarded.