Retiree Insurance
Retiree Insurance is less common than it used to be, but is still available to certain groups of people. Some examples are: government workers, teachers, and unions. Usually the degree of benefits are based on years of service. Medicare is generally primary to retiree insurance, so you must enroll in Parts A and B, and pay the Part B premium. An exception to this is FEHB (Federal Employees Health Benefits), in which you do not have to sign up for Part B, but if you decide to later, you will have to pay a late penalty.
You may compare your retiree insurance to a Medicare Supplement or Advantage in a similar fashion as someone comparing employer coverage. If you decide you can get better coverage with a Supplement or Advantage Plan, you may drop your retiree insurance. This must be a well thought out decision though, since you will most likely not be able to go back on the retiree coverage. Many retiree plans will offer better drug coverage than Medicare, so what medications you are on can make a difference. Also, be aware that discontinuing your retirement plan would affect any other person who is covered under the plan, such as a spouse.
My Clients Needs Come First!
"Steve has been very instrumental in helping me navigate the available Medicare options. So, I was able to choose the Medicare Advantage Plan that was best for me. He has always maintained a professional demeanor. He is very pleasant and personable to interact with. He has taken an interest in me as a person, and is always available to answer any questions I may have. I look forward to many years of having Steve be my Medicare Health Insurance representative."
Teresa S.
"I found Steve through a friend for help with my Medicare plan enrollment. He was very knowledgeable and professional in getting me enrolled in the correct Medicare plan. I would highly recommend him to anyone."
Jerry C.
"I am happy with Steve’s complete communication and understanding of each and everything that I needed in reference to my Medicare health insurance. Thank you very much. I am happy in my retirement."
Timothy S.
“Steve gave me personal attention and guidance to help me get started with Medicare. He explained my options clearly, and patiently answered all of my questions. I would highly recommend working with Steve.”
John A.
"Steve was awesome in helping me find some great options for accepted Medicare insurance providers in this area as my previous provider was limiting my doctors greatly. He is great about keeping me up to date on changes as they occur. His knowledge is vast!"
Diana A.
"Steve has been very helpful in guiding us through the Medicare journey. After moving to Tennessee my wife and I had some uncertainties about changing Medicare from one state to another. Steve was very confident and reassured us in making this transition."
Doug S.
"Steve has been a Godsend for us, making our transition to Medicare as smooth as glass. He's always helpful in filling out forms, who to call, and what to do next. Patient, calm, kind and Very knowledgeable...a true gentleman. Thank you for all of your help, Steve."
Sandy A.
"Steve was awesome! He came to our home and sat with my husband and I and gave us a full rundown on our options. We were able to choose a plan that worked for us. Steve is very knowledgeable and was patient with all our questions. Not to mention keeping us informed and handling anything we needed to have done afterwards. I highly recommend Steve for your Medicare needs. He knows what he’s doing!"
Patty A.
"I thought I had the gold standard for health insurance until I met Steve who explained options, helped me decide and saved me close to $1,000. Subsequent to signing up with Steve he's been very responsive to questions as I learned about my new insurance plan. His no pressure approach was also very much appreciated. I have recommended Steve to others and will continue to do so."
Mike D.
The cure for Medicare confusion
**This is a personal website of Steve Walter and is not associated with or endorsed by any government agency. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 56 products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program to get information on all of your options.