Stay Ahead of Healthcare Changes.

Our team at Beacon Retirement Planning Group helps you navigate Medicare with confidence, ensuring you stay informed and make the best choices for your healthcare coverage.

The four essentials are Part A inpatient care, Part B outpatient & physician services, Part C Advantage bundle, and Part D prescriptions. We'll go through those and how they interact with employer coverage, enrollment windows, and IRMAA surcharges. 

Because original Medicare covers only about 80 % of approved costs, we spotlight the 20 % gap, then layer in Medigap, long-term-fcare insurance, and other safeguards as appropriate to your situation to help keep copays, deductibles, and extended-care bills manageable so they don’t eat at your cash flow. 

Next, we weave these strategies into THE HORIZON FORMula™—projecting lifetime healthcare costs, optimizing HSAs, and timing tax-efficient income to help premiums stay predictable, while handling ongoing Parts A & B enrollment, annual Advantage/Part D reviews, group-to-retiree transitions, and change-window reminders.