Health Insurance Planning and Medicare

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Providing a wide range of financial services, HighPoint Advisors, LLC is pleased to work with a variety of different clients including family, business, and individual clients. We assist our clients with wealth management, asset allocation, retirement, estate and college planning, and long-term care planning.

Overview of the Affordable Care Act and Medicare

The Affordable Care Act has created some new challenges that consumers need to be aware of such as new requirements for individuals concerning health insurance coverage. Under the ACA, the eligibility and payment requirements have changed, so consumers must look closely at co-pays, deductibles, and co-insurance.

Why Do I Need Assistance with Choosing Insurance?

Having assistance from qualified professionals when selecting an insurance product can help you find the option that will work for you regarding coverage and costs. A qualified professional not only looks at how much a particular insurance product is going to cost you but also at how that plan will impact your tax and cash flow situations. Now that many health care plans no longer extend coverage to retirees, it is important to plan for future health care costs, and a trusted advisor can help you do that. Many people believe that Medicare will cover all health-related expenses. However, this is not the case. Medicare does not cover copays, long-term care services, vision, dental and hearing care, and insurance premiums for prescriptions and Medicare Gap coverages. Expenses can quickly deplete an individual’s cash reserves, which is why it is important to have a sound health insurance plan.

How Can HighPoint Advisors Help?

HighPoint Advisors focus on offering a personalized experience for each client. With their full-service expertise, our qualified advisors will look at each client’s overall financial picture to help them choose their appropriate health care option. Our advisors are well trained and equipped in many different insurance plans in addition to ACA. At HighPoint, we can look comprehensively at your situation and help you make sense of how much coverage and which type of coverage is right for you.

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