03/29/2025
Success story! I NEVER advocate for one Medicare strategy or carrier plan choice over another however I will always present what I feel is most appropriate based on a conversation with a client. Thanks to a referral from another existing client on a Medicare Advantage PPO, I was introduced to a new 76 year old client who had been on an expensive Medicare Supplement(approx $300 monthly) and Part D($94 monthly ) - both annually rising in price - since she was 65. When we spoke more about the Medicare Advantage PPO option and its affordability I discovered she only sees ONE doctor, takes ONE prescription drug, is in very good health, likes her immediate area for healthcare and was frugal(even though she has very ample means).
At the time of turning 65 she was ONLY introduced to a Medicare Supplement and Part D plan and while there were not yet many, if any, Medicare Advantage PPO plans in the marketplace, she did not have someone to advise her annually or advocate in her best interests.
After our consultation we discovered the $11/month PPO option was a wonderful fit for her and her needs. The high MOOP(max out of pocket), if ever needed, would be offset by the savings of premiums in year one and beyond. Going forward she may be saving up to almost $4,596 every year when major expenses are not needed.
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