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How Does Medicare and Life Insurance Work Together?

Health insurance is a critical component of ensuring a healthy, happy retirement. Yet, many people underestimate the importance of pairing your medical insurance with a life insurance policy. If you are at the age where you qualify for Medicare coverage but do not have a life insurance policy in place, you may not be in an ideal position to obtain both types of coverage.

Medicare and life insurance are not the same and you will not receive any life coverage through your Medicare policy. That’s why you need to learn how life insurance and Medicare plans compliment each other.

What is Medicare?

Medicare is a public health insurance program that provides senior citizens and people with disabilities with major health insurance benefits. To acquire Medicare benefits, most people apply once they reach age 65 or spend two years with a qualifying disability. Through Medicare, you receive a combination of hospital insurance and medical insurance. You may also be able to acquire prescription drug coverage through your Original Medicare plan.

What is Life Insurance?

Life insurance is a form of insurance that provides death benefits to your loved ones if you pass away while covered. The amount of money issued when you die varies but can provide coverage of several thousand dollars up to and exceeding $1 million if you purchase a plan offering that level of coverage. There are two primary forms of life insurance; term life insurance and whole life insurance. 

Term life lasts for a set period of time, while whole life insurance lasts for your entire lifetime. Both offer unique benefits, so speak with an insurance agent to decide which is best for you.

Have Questions? We Can Help!

If any of this sparked your curiosity but you’re just not sure where to start to get the coverage you need, we can help! To get started with a free consultation, contact The Benefit Link at 972-236-3348.

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It can be difficult to know whether or not you have proper coverage, but we can help!

Any questions? Feel free to give us a call.



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