There are many health insurance options available today (and yes most of them are expensive) offering many types and levels of benefits.

Working people have the choice between plans at work, individual plans, plans through trade associations/chambers of commerce/affinity groups, joining a spouse’s plan and many other sources (even state controlled clearinghouses like in Massachusetts).

Retirees can choose from a Medicare-only plan (having parts A, B, D), having Medicare and filling gaps with “Medigap” policies, adding an HMO or PPO to Medicare coverage (Part C) using insurance from a private insurer, or supplementing with plans like the AARP plan offered through a private company (United Health).

I will not attempt to cover an outline in this area because the rules are changing as we speak. Your best bet is to consult with someone who knows about this stuff. If you are close to retirement age, ou can certainly call Medicare at 800-633-4227, go to the Medicare Website or consult with someone locally. If you are of working age, give us a call – we can help. We have relationships with health care experts to help our clients make informed decisions. If you’d like to talk to us, feel free to call us at 781.393.0021 or contact us through a Quick Contact.

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