Financial Planning

We help you with a strategic approach to healthcare costs

Even if you have alternative healthcare coverage or a pension available to you after retirement, you will still need to make important Medicare enrollment decisions before you stop working. You will also need to take your spouse's and dependents' healthcare needs into consideration as you approach Medicare eligibility. Coverage changes may alter your out-of-pocket expenses.

Identify Resources

Financial education providers, community action agencies and nonprofit credit counseling organizations are all resources you can utilize to maximize your financial well-being. Amwins can provide the financial resources you need as you age.

Avoid HSA Penalties

In general, you should stop making contributions to a Health Savings Account (HSA) six months before enrolling in Medicare to avoid a potential HSA contribution penalty. Amwins can help you properly prepare for these types of decisions.

Timing is Everything

You have 8 months to enroll in Medicare once you stop working or your employer coverage ends (whichever happens first). But you will want to plan ahead and contact Social Security before your employer coverage ends to avoid a coverage gap.