Transitions To Retirement LLC with 30 years experience.
- Annual Medicare plan checkups
- Review of prescription drug coverage
- Identify cost-saving opportunities
- Ensure you have the best available benefits
Trusted Medicare Consultation
Navigating Medicare can be confusing—and costly—without the right guidance. Missing enrollment deadlines or selecting the wrong plan may lead to lifetime penalties, coverage gaps, or denied claims when care is needed most.
Transitions To Retirement LLC helps plan personalized Medicare consulting for individuals at every stage, whether you are still working, nearing retirement, or already enrolled. Clients receive clear, unbiased advice to make confident and informed decisions, avoiding expensive mistakes.
Transitions To Retirement LLC with 30 years experience.
Medicare Services Include:
Understand your Initial Enrollment Period, Special Enrollment windows, and Annual Election Periods. Signing up at the right time helps avoid unnecessary penalties and coverage lapses.
Medicare includes Parts A, B, C, and D, plus Medigap supplements. Each plan comes with trade-offs. Clients receive straightforward comparisons to choose the right fit for their health needs and financial goals.
If employer-sponsored or retiree insurance is part of the picture, Transitions To Retirement helps clarify how Medicare works alongside existing benefits.
Drug plans can vary dramatically in coverage and cost — and what works well this year might not be your best option next year. At Transitions To Retirement LLC, we review your current prescriptions and identify the most cost-effective and complete coverage available.
It’s important to avoid buying a drug plan directly from an insurance agent, as their recommendations may be limited to certain carriers. The only proper way to choose is through the official Medicare website, where you can compare all available plans based on your specific medications and needs.
We guide you through this process every year, ensuring you adapt to coverage changes, avoid unnecessary costs, and keep your prescription coverage aligned with your health and budget.
Coverage needs change over time. Yearly plan checkups ensure clients remain protected and up to date with the best available choices.
A simple, one-time $250 fee covers lifetime consulting and advice for both spouses—including Medicare, Social Security, proactive tax planning (IRMAA), income planning, legal document guidance (Wills & POAs), veterans benefits, and long-term care planning.
No renewals. No hourly billing. Just answers when you need them. See what’s included.
When should I sign up for Medicare?Transitions To Retirement LLC Consulting
Most people should enroll during their Initial Enrollment Period (IEP), which starts three months before your 65th birthday and ends three months after. Missing this window could mean paying lifetime penalties and facing delays in coverage.
Part A is usually premium-free if you’ve paid Medicare taxes for at least 10 years. Part B and Part D typically have monthly premiums.
Yes, but depending on your employer’s size and coverage, it may or may not be your primary insurance. Coordination rules matter — get professional guidance before delaying enrollment.
No. You’re responsible for deductibles, copays, and coinsurance. Many retirees add a Medigap plan to reduce out-of-pocket costs.
You may face late enrollment penalties and have to wait for the General Enrollment Period (Jan–Mar), with coverage starting in July.
Work with a licensed consultant who can compare plans, explain benefits, and ensure your doctors and prescriptions are covered — without overwhelming you with jargon.
While you’re still working and have employer-sponsored health coverage, you may or may not want to start Part B immediately. The decision depends on the size of your employer, how your current plan coordinates with Medicare, and your overall healthcare needs. Transitions To Retirement LLC explains the pros and cons for your specific situation so you avoid unnecessary costs or penalties.