A large number of people wait until near-retirement age to start thinking about retirement planning. That can include Medicare insurance.
While there are some benefits that are best delayed, such as Social Security, others need to be acted on early to ensure reasonable rates and desired coverage. One of those is Medigap insurance. Your clients should be asking about Medigap insurance as soon as they turn age 64. Waiting just a few months can mean the difference in dramatic rate increases and coverage reductions.
(Read my complete article at Think Advisor)
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