Welcome to Turning 65 Medicare Choices

We are YOUR unique Medicare education and advisory firm.

Are you:

Turning 65 and getting ready to enroll in Medicare?
65 or older and retiring, leaving employee coverage, and need assistance in transitioning to Medicare?
65 or older and working, and unsure if you should stay on employer insurance or move to Medicare?
In Medicare and are wondering if you have the best coverage, or the lowest cost coverage?
Uncertain the truth in TV ads promising money back?
A veteran, with VA or Tricare coverage, or a government employee turning 65, and unsure how existing coverage works with Medicare.
In Medicare already and unhappy with your current coverage.

Whatever your situation, we can help. Whatever your question, we have the answer.

We are Medicare advisors. As you know, there are a lot of us out there.

We are different.

We have experience in financial advisory for seniors.
This is relevant because Medicare is a budgetary decision.
Medicare, in general, will cost you between $165 and $400 per month, per person.
Where should you be in that range? What can you afford? What are your preferences and priorities?

In our process we will:

Get to know you.
Learn your unique needs.
Help you discover answers to your questions of budget (what can I afford)?
Determine your priorities, needs and preferences (what can I get within my budget?)
From there, we help you select the right coverage.

And, crucially…

Assist you in your enrollment so it is done right.

In addition…

Our principal, Michael Natter, is 68 and in Medicare.

So we have firsthand experience in what can go wrong in Medicare and how to make sure you get it right.

Why choose Turning 65 Medicare Choices?

We are different than most Medicare brokers who have little or no experience in financial advisory for seniors.

Our founder, Michael Natter, has been licensed in financial or insurance advisory roles since 1986. That’s 35 years. Including 10 years as a Managing Director for Bank of America.

By comparison, our observation is that many Medicare brokers, lacking financial expertise:

Talk about minor differences in plans, usually amounting to $10-$15 per month.

Instead we provide:

Big picture advice you need to decide if you should pay $165 or $400 per month.
Clarity on cash give backs and other ‘free stuff’.

It’s an important decision because there is no free lunch.

YOU GET WHAT YOU PAY FOR.

You must choose wisely. You must have knowledge and the facts. We will provide them.

You have two basic Medicare choices:

Choice one: Original Medicare, parts A and B.
plus Medigap and Drug, Part D

Go to any hospital, doctor or specialist that takes Medicare (Most do).
Receive treatment anywhere in the US.
Full flexibility and control of your health care.
Generally utilizes the addition of a separate Medicare Supplement (Medigap) policy and a Part D drug plan.
Medicare (the government) pays 80% of your bills directly. Medigap insurance pays the 20% left.
The more expensive of the two options.

Choice two: Medicare Advantage, or Part C

Uses PPO or HMO networks.
Similar to employer, or personal (Obamacare) coverage.
Insurance companies pay your costs.
Restrictions on which doctors you can access — known as being in or out of network.
HMO plans generally require primary care doctor referral to see a specialist.
PPO plans often have specialist co-pay.
Offers ‘extra benefits’ — dental, vision, drug store credit, that Original Medicare doesn’t.
Bundles hospital, doctor and drug coverage into one plan effectively replacing Original Medicare.
The less expensive of the two options.

You must choose one of the two. You can’t do both.

It is an important, financially based, decision that requires consideration. We will help you choose. There is no cost for our service. We are paid by the carriers to help you.

In addition…

Our principal, Michael Natter, is 68 and in Medicare.

So we have firsthand experience in what can go wrong in Medicare and how to make sure you get it right the first time

And we will.

Turning 65 Medicare Choices

Your resource for navigating Medicare

Welcome to Turning 65 Medicare Choices

We are YOUR unique Medicare education and advisory firm.

Why choose Turning 65 Medicare Choices?

YOU GET WHAT YOU PAY FOR.

You have two basic Medicare choices:

You don’t have to navigate Medicare Alone.

Navigate Your Future