Medicare Enrollment Guidance

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Retirement Begins With Medicare

While there are many elements to retirement, the most important is Medicare. As Certified Financial Planner, I evaluate the many pieces of a retirement plan. The most valuable? Medicare.

Many think it’s Social Security (options now limited and deferring gets only small amounts more), or Investment planning (markets are uncertain). Nope: healthcare cost control is the vital starting point.
That means: Medicare.

Lots of Rules

Medicare rules are confusing, yes.
Enrollment periods, permanent late enrollment penalties, some of what you may have heard is true.
We’ll keep your head above water, so that you don’t drown in the details.

So Many Choices

There are going to be 30+ Medicare Advantage plans, 30+ Part D plans, and 20+ Medigap carriers in most locations.
Some locations have extra rights and options to enroll or change Medigap plans. You cannot simply call your friend, located in another state or county, to compare notes, because the same plans may not exist, the same prices may not exist.

Guidelines

START EARLY. You gain nothing by delaying.

You don’t get extra benefits, you don’t get better prices. You are inviting extra stress due to the fact there are other parties (government, carriers) involved.

DON’T DO IT YOURSELF. The public doesn’t get complete access to the best prices easily. There are nuances in the benefits that you may not recognize. And, if there is a problem, I will navigate, shepherd you to a resolution.

What I Will Do

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Listen first

Your household situation, your health issues, your financial condition.

I’ll get to know your priorities, I will have full command of the options and timelines that fit your situation.

Explain the options until you are comfortable

It can take an hour, it can take 10 hours, doesn’t matter.

You can ask me anything, and I will let you know if you should’ve asked me something that you have missed.

Guide you across the finish line

Sometimes, there are unforeseen situations, like red tape gets in the way.

After enrollment, you can also continue to ask anything, and we can revisit the options so that you get the most for your money.

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About Me

Jae W. Oh, MBA, CFP®, CLU® ChFC® is the Managing Principal of GH2 Benefits, LLC. He is a Certified Financial Planner, Chartered Life Underwriter, a Chartered Financial Consultant, and a licensed insurance producer in multiple states. He is the author of Maximize Your Medicare (Allworth Press). nationally-recognized Medicare expert, frequently quoted in the national media, including USAToday.com, thestreet.com, Fox Radio News contributor and expert contributor to medicareresoureces.org.

GH2 Benefits is a full provider of the widest range of financial products and services. Mr. Oh has served in management roles in securities markets on three continents.
He has a Master’s Degree in Business Administration (MBA) with concentrations in Accounting and Finance from the University of Chicago, and a Bachelors of Arts (BA) degree in Economics and Political Science from the University of Michigan, Ann Arbor.

I tell people all the time.
Use your common sense: it is very unlikely that I have invented the list above out of thin air. It’s a mere sliver of my depth and breadth of actual professional experience. Don’t worry, that also means that I can put it in words that everyone can understand.

Jae

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