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A financial professional talking to a client about Medicare.
A financial professional talking to a client about Medicare.
Medicare Made Simple: guide customers with confidence
Medicare is arguably one of the biggest retirement decisions and most don't know where to turn. But you don’t have to be an expert to help customers make confident choices. We've worked with 65 Incorporated®, Medicare experts, to help you get started.
Key considerations for important Medicare decisions
Medicare is a complex topic with a lot of considerations. Watch our video to learn how you can help your customers build confidence in this key decision.
Medicare: Prepare for important decisions ahead
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Why Medicare conversations matter

Did you know even small Medicare mistakes can be irreversible and costly? In fact, one person can make thousands of dollars in Medicare mistakes in just one year.¹ And choosing a plan is highly individual, yet 72% admit they don’t fully understand Medicare.² Learning to meaningfully support this key decision not only better serves customers but can strengthen your relationships.

We've partnered with Medicare experts, 65 Incorporated (external page), an industry leader in unbiased Medicare guidance to bring you these resources.*

Understand Medicare myths to build confidence in retirement plans

To start a productive customer conversation, understanding Medicare myths is a great first step. It helps them understand what’s at stake, and builds confidence in a path forward with you by their side. Check out three common myths.
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79% of people over age 50 believe Medicare Part B is free.³
Medicare is not free—households spend an average of $5,355 per year on Medicare or related expenses.⁴ Helping them plan for these regular expenses is key.
Once enrolled in Medicare, it does not change.
Failing to review plans annually could end up costing clients an additional $541 per year,⁵ so it’s important to plan for annual, ongoing conversations with them to check in.
Medicare covers long-term care (LTC).
Medicare does not pay for anything toward LTC, and these costs can quickly deplete savings. Most customers will need LTC services, and you can help by ensuring their retirement plans address this need.

Begin Medicare planning by focusing on timing and plan type

Many customers start planning in the middle of the process. Reframe the approach with six Medicare steps, and focus your discussions on the first two: enrollment timing and plan type.*
Decide enrollment timing
Choose type of coverage
Select specific plans
Enroll in Medicare Parts A and B
Enroll in plans from step 3
Review coverage annually

Helpful resources for Medicare conversations

Ready to start discussing Medicare as part of a holistic financial plan? Get started with these helpful tools.
Cover of the consumer Medicare guide.
Customer guide: Prepare for Important Medicare Decisions Ahead
A flyer explaining 10 common and costly mistakes
10 common and costly Medicare mistakes
A flyer that explains how you can prepare for health care costs in retirement.
How to prepare for healthcare costs in retirement

Host a turnkey customer event to share Medicare knowledge

Position yourself as a trusted resource by hosting an informational seminar on this important topic. We’ll provide everything you need to be successful, from invitations to presentation and workbooks.
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Interested in hosting a customer event? Contact us now to get started.

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We’re here for you

Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security customers deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.

*This material was developed in collaboration with 65 Incorporated, an industry leader in unbiased Medicare guidance. 65 Incorporated was co-founded by Diane J. Omdahl and Melinda A. Caughill. Diane is a registered nurse and one of the nation’s foremost Medicare experts and Melinda is a noted Medicare speaker. 65 Incorporated helps consumers and financial professionals with Medicare information and individualized guidance.

¹ "An Introduction to Medicare — Why is Medicare So Confusing?",, 2019.

² Nationwide Retirement Institute®. Healthcare Insights from the 2018 Nationwide® Healthcare and Long-term Care Consumer Survey.

³ 2019 Health Care Consumer Survey: Summary of key findings, Nationwide Retirement Institute®.

⁴ Kaiser Family Foundation. The Financial Burden of Health Care Spending. March 1, 2018.

⁵ “90% of Those Enrolled in Medicare Prescription Drug Coverage Could be Overpaying” eHealth Insurance, August 30, 2017.