For the majority of Americans, on their 65th birthday, Medicare becomes their primary health care plan. They are provided with a 150 page book, and expected to become experts on Medicare Supplements and Medicare Advantage Plans. Making a decision on the proper way to structure your health care in retirement takes expertise and diligent research. Everyone’s situation is different and requires a personalized plan. Making an incorrect choice can cost tens of thousands of dollars out-of-pocket for retirees. We suggest meeting with one of our Medicare Specialists at least six months before your 65th birthday to design a plan that best fits your needs.