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David P. McCabe,
WMCP®, ChFC®, CLU®
Financial Planner
Nathaniel D. High, RICP®
Financial Planner
Nicholas J. Over, CFP®
Financial Planner
Sara E. Martin
Operations Manager
Jennifer A. McCabe
Client Service Specialist
jennifer.mccabe@prudential.com
Centuria Financial Group
2333 Baltimore Blvd Suite B
Finksburg, MD 21048
Phone: 443-952-7232
September/October 2023
Get to Know Your Medicare
You may be 65 or older, but it’s back to the ABCs when it comes to Medicare. With so many options, it’s important that you understand each before choosing coverage that is best for you.
It’s Medicare enrollment time, which is when current Medicare-eligible recipients can change their coverage without penalty. Whether you are currently enrolled in Medicare or are about to enroll, talk to a medicare specialist for information specific to your situation, but consider knowing the basics:
Original Medicare consists of Part A, which covers mostly hospitalization, and Part B, covering health care like office visits and blood tests. You don’t pay for Part A insurance if you worked 40 calendar quarters and contributed Medicare taxes during that time. You pay for Part B on a sliding scale, as you would with Part D, which is prescription drug insurance. All these parts have deductibles and copays, which is why many Medicare recipients also own supplemental insurance to pick up some of the slack.
Medicare Part C, known as Medicare Advantage, is another option, which replaces all the Medicare parts in many cases, but restricts provider choice. Generally, there are 10 plans offering different levels of coverage that are known by a letter, like A or G, in most states.
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David P. McCabe, Nathaniel D. High, and Nicholas J. Over are Financial Planners with, and offer securities and investment advisory service through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
LPLE and LPL Financial are not affiliated with Centuria Financial Group.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
Centuria Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.