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Medicare is a federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a safety net of health care coverage for qualifying individuals. Now, remember, it’s packaged into two major parts.

Part A is hospital insurance protection. It covers hospitalization, some hospice care, and a minimal amount of post-hospital care.
Part B is medical insurance. It helps cover physician services, outpatient care, physical therapy, diagnostic tests, and a variety of other services.

At first glance, it looks like Uncle Sam has everything covered. In reality, there are quite a few gaps that could cost you dearly if you aren’t aware of them. The biggest thing you have to be aware of is the fact that you have to pay a certain amount of your hospitalization cost unless your visits are separated by fewer than sixty days. If that’s the case, you pay the deductible only on the first visit. If you are admitted and stay in the hospital longer than sixty days, you’ll be required to pay a co payment every day from day 61 through 90. You’ll also have a lifetime reserve of sixty days that can be used in conjunction with more than one extended stay.

If you want your retirement years to be worry-free and you want to feel secure in the amount of coverage you have for your healthcare, I’d highly recommend supplemental health insurance.

Call Freeman Owen Jr For Retirment Saving AdviceI’d recommend having an holistic review of your retirement portfolio with a financial planner that specializes in retirement planning. Plan now to have a lifetime stream of income that you can never out live. Contact me at (866) 471-7233 for a free consultation so we can keep your money SAFE!