The founder and a managing partner of Bergen Financial Group, Darcy Bergen is a fiduciary with a Series 65 license. Experienced in risk management, income planning, and social security planning, Darcy Bergen assists people nearing retirement age with their financial planning needs. As you prepare for retirement, you will need to consider your healthcare needs and associated costs. Those who have not yet reached Medicare eligibility don’t always realize that, currently, beneficiaries must pay a monthly premium for Medicare, which is typically deducted from your Social Security benefits payment. In addition to premiums, many Medicare plans also have other out-of-pocket costs, such as deductibles and coinsurance amounts, as well as prescription drug co-pays. Each year, the amount you pay and the benefits you receive depend on the plan you select during the Medicare Open Enrollment period, which runs from October 15 through December 7, for plans that will be effective the following year. Remember to review drug costs for each plan to see if any name-brand pharmaceuticals you rely on may have recently dropped in price due to recent legislation requiring certain drug manufacturers to lower costs for enrollees who fall into the drug coverage gap.
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