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As you approach your retirement and Medicare eligibility, it's important to take the right steps to get the comprehensive Medicare coverage you need.

Medicare is a federal program that began in 1965 to provide health insurance for older Americans. Today, Medicare covers more than 44 million people age 65 and over and those with certain disabilities. Medicare has provided converges for health care such as skilled nursing facilities, doctor's visits, and hospital stays. In 2003 with the Medicare Prescription Drug, Improvement, and Modernization Act, Medicare also provides prescription drug coverage and additional health plan options.

Why do you need additional coverage?

Original Medicare does not pay all of your health care expenses. There are deductible and coinsurance you must pay when you receive health care services. Original Medicare also does not cover routine physicals, eye exams or outpatient prescription drugs. Your out-of-pocket expenses for these "coverage gaps" can add up quickly.

Fortunately, you have options to consider that can help with these extra costs. To learn about Medicare Supplement Plans and other options available to people with Medicare, contact us.