Sinapi Insurance Associates, Inc

Senior’s face growing complexity with how to handle their healthcare in retirement – they need to decide between 12 different Medicare Advantage Plans, 10 different Medicare Supplement Plans and 23 different Drug plans that change annually. That’s just in RI - CT & MA have more! Now, add in the cost of healthcare for seniors – according to The Fidelity Retiree Health Care Cost Estimate, an average retired couple age 65 in 2018 may need approximately saved (after tax) to cover health care expenses in retirement. When you combine these things you have a recipe that often becomes overwhelming for seniors. Additionally, there are many small business owners employing an older workforce as well – some including the owners themselves. We have strategies that could help employers lower both their costs as well as those for their aged 65+ employees – and many times provide better coverage - while maintaining the tax advantages associated with providing healthcare through the company. Our goal is to help simplify the process of selecting the right Medicare option for Seniors through education and consultation; assist business owners by sharing some healthcare strategies for their aging employee base and finally to provide direction, if needed, on how to help pay for healthcare expenses in retirement.#medicare;#medicaresupplement;#medicareadvantage