Altomare Financial Group Inc.

Health insurance plans, provider networks, premiums, and prescription drug formularies can change annually. Reviewing your options during Open Enrollment helps ensure your coverage continues to meet your healthcare needs and budget.

Long-term care insurance may help pay for services that traditional health insurance and Medicare generally do not cover, including assistance with activities such as bathing, dressing, eating, and mobility, whether care is received at home, in an assisted living facility, or in a nursing home.

Many Medicare Supplement (Medigap) and Medicare Advantage plans require you to be enrolled in both Medicare Part A and Part B before you can join their plans.

Many people use HSAs as a long-term savings vehicle. Funds can be invested and allowed to grow for future healthcare expenses, which are often one of the largest costs in retirement.

Don't Assume Your Doctors Are Covered: Before enrolling in a Medicare plan, always check whether your preferred doctors and hospitals participate in the network. A few minutes of research today can help prevent surprises later.

Take Advantage of Preventive Care: Most health insurance plans cover preventive services such as annual wellness exams, screenings, and vaccinations at little or no cost to you.

Reminder: Don't Choose a Plan Based Only on the Premium: A lower monthly premium may seem attractive, but it's important to consider deductibles, copays, coinsurance, and out-of-pocket maximums before making a decision.

Ask Questions Before You Enroll: Health Insurance can feel overwhelming, but you don't have to navigate it alone. Asking questions and understanding your options can help you make confident decisions about your healthcare.

Medicare Planning Starts Early: The best time to learn about Medicare is before you need to enroll. A little preparation can help you avoid common mistakes and make the transition to Medicare much smoother.

"Summer is not a season, it's a state of mind."