Even though Ruth and I missed going out to lunch, we had a “virtual” lunch. We have kept in touch by calling each other and emailing. Following the suggested social distancing guidelines does not mean we have to isolate ourselves. Too much “alone time” is not good and may cause some to get down, moody or even depressed. For those with lots of spare time, some are staying busy finding quotes and funny stories to share. It’s always good to have something that puts a smile on your face. Here’s one of my favorites: No one cares how much you know until they know how much you care. So true.
Some of the emails I get are thought provoking while others are funny. One email today suggested that hair salons should be considered “essential”. Since my appointment to get my hair trimmed was last Friday, I see her point. My neighbor uses a color aid (store bought color) and has no desire to know what her “natural” color is. Her hairdresser met each customer 1 on 1 and gave them their coloring to apply themselves. This made my neighbor very happy and prevented her from getting depressed. If you have any concerns or questions about your Medicare supplement plan, prescription plan, your Medicare Advantage plan or your dental/vision plan, call the customer service phone number on the back of your ID card. Trained customer service representatives are available and happy to provide accurate answers. Many people overlook the impact the right Medicare insurance can have on their sound financial planning. How do you know if you have the right plan? First, assess and review your needs and the financial impact of a health scare with the same care you would with any other product. Ask yourself “What do I want my health care to do for me?’ Do I want office visits with my doctors to be covered or do I mind changing doctors? Do I want drugs as cheaply as possible? Do I want dental care and vision care/glasses covered? Or, do I just want the lowest premium to pay every month? Sometimes you realize there’s more to ask, but this is all you really want to know. Most neglect the things that will impact their financial future and their health the most. What is the financial consequence, if I have a major health event? Where can I go to get treated? What are the treatment options for a major health event? There is no one product that is best for everyone - everyone is different. Consider a plan based on your comfort level with premiums, co-pays and access to care. Compare the costs and the benefits for today as well as years to come. Treat your Medicare health insurance like another part of your financial strategy. This will help you to have the protection you need when you need it the most. Please share your stories and emails. Call 501-868-6650 and say “Caroline, can we talk?”.
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AuthorCaroline Beauchamp specializes in personalized life and health insurance solutions. Archives
September 2023
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