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What's Your Retirement Plan?

                Medicare Annual Enrollment
                       10/15/24 - 12/7/24

 
       

 

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HEALTH
LIFE
RETIREMENT PLANNING 

UNDER 65 HEALTH INS.


SHORT TERM HEALTH INS.

 

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GROUP INSURANCE

DENTAL INSURANCE

CANCER/DISEASE INSURANCE

PET INSURANCE


LIFE INSURANCE

NOTARY SERVICES
 

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FIXED & INDEXED ANNUITIES

COMPLIMENTARY CONSULTATIONS

SCHOOL DISTRICT RETIREMENT WORKSHOPS


EMPLOYER SPONSORED RETIREMENT WORKSHOPS

We Offer Various Services
*Specializing in Risk Mitigation

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Financial Risk Mitigation is important because it helps to minimize the negative impact of potential risks in your financial portfolio. By identifying and addressing potential risks before they occur, you can reduce likelihood of costly setbacks. This can help to ensure that your plan for retirement stays on track and achieves its objectives.

Health Risk Mitigation refers to the process of identifying, assessing, and taking steps to reduce or eliminate potential health risks and out of pocket exposure.

Healthcare costs increase with age, and seniors can face high medical costs. Here are some ways seniors can try to reduce healthcare costs:

  1. Use Medicare benefits: Medicare provides insurance for hospital stays, doctor visits, and prescription drugs for almost all people over 65. Seniors can also consider Medicare Savings Programs, Extra Help, and Supplemental Security Income (SSI) if they have low income and meet other requirements.

  2. Work around deductibles and out-of-pocket maximums

  3. Price check pharmacies

  4. Use preventive care

  5. Re-evaluate Medicare plans annually

  6. Maintain a healthy lifestyle: Eating healthy and staying active can help seniors spend less on healthcare.

  7. Contribute to a Health Savings Account (HSA): Contributions to an HSA before turning 65 are tax-deductible, and earnings and withdrawals for healthcare expenses are also tax-free. 

All AZIRS clients receive a FREE copy of I've Got It Covered

I've Got It Covered

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ABOUT THE BOOK

“I do believe that it would be incredibly helpful and comforting to have so much essential information at my fingertips when the time comes.  The overall feel of I've Got it Covered  is compassionate, rather than clinical, and I believe that it has the potential to provide a critical service and peace of mind during an undoubtedly arduous and overwhelming task.”

— Mindy, Reading For Sanity

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