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Medicare Enrollment: What You Need to Know About Employer Retirement Plans


Whether you retired a few years ago, or you’re getting ready to retire, there are some important things to know about employer retirement plans and Medicare enrollment. Many people enroll in their employer’s retirement plan without fully exploring other options. While it may be convenient, there are a few things you may want to consider before finalizing your decision or continuing with your plan.

There May Be Other Plans Available in Your Area

If you’ve been covered under your employer’s group plan throughout your career, you may not be aware of the different types of Medicare plans available. Original Medicare (Parts A and B) is a federal program that covers emergency and preventative care, as well as medically necessary services and supplies—such as hospital stays and doctor visits. It does not include coverage for dental, hearing, vision, or prescription drug coverage.

Medicare Advantage Plans (Part C) are an alternative to Original Medicare. These plans are offered by private insurance companies that Medicare approves and pays to cover benefits. Medicare Advantage Plans include everything covered in Parts A and B, and many Medicare Advantage Plans also include prescription drug coverage, as well as the other benefits Original Medicare does not cover.

In addition to knowing there are other types of plans available, it’s also important to be aware that, while your employer typically offers a retirement plan from one carrier, there may be plans available in your area offered by other carriers—plans that may be a better fit for you, have lower costs and include more benefits. It’s worth taking the time during Medicare enrollment to see what other plans are available to you.

You May Be Missing out on Benefits

Similar to Original Medicare, many employer retirement plans may have somewhat limited benefits. Medicare Advantage Plan benefits have been expanding over the past several years. According to healthcare consulting firm Avalere Health, 98 percent of Medicare Advantage Plans include vision benefits in 2020, 95 percent include fitness benefits, 93 percent include hearing benefits, 87 percent include dental benefits, and 68 percent include over-the-counter benefits to help pay for everyday items, such as vitamins, toothpaste, supplements, and cold medicine. The Kaiser Family Foundation also reports that 90 percent of Medicare Advantage Plans in 2020 include …


To find out what 90 percent of Medicare Advantage Plans in 2020 include, continue reading Medicare Enrollment: What You Need to Know About Employer Retirement Plans