Confused About Medicare? You’re Not Alone.
We help you understand your options so you can make confident decisions as you approach retirement.
Simple Medicare Breakdown
Medicare Decisions Impact More Than Just Healthcare
Making the right decision now can help avoid costly surprises later.
How We Help
At Altitude Wealth Management, we don’t believe Medicare decisions should be made in isolation.
We help you understand your options and coordinate your Medicare decisions with your overall financial plan—so everything works together.
If needed, we can also connect you with professionals to help implement the right coverage.
When Should You Start Planning?
Turning 65 or Planning Ahead?
Let’s make sure your Medicare decisions align with your overall financial plan.
F.A.Q.
Medicare Questions We Hear Often
It depends on your employer coverage.
- 20+ employees: You may be able to delay Part B
- Under 20 employees: You likely need Medicare at 65
Review your plan before deciding.
Medicare Advantage:
- All-in-one plan
- Often lower upfront cost
- Network restrictions
Supplement (Medigap):
- Works with Original Medicare
- More provider flexibility
- Higher premiums, more predictable costs
Costs vary based on your coverage and income:
- Part A: Often $0
- Part B: Monthly premium
- Part D: Varies by plan
- Supplement/Advantage: Additional cost
Out-of-pocket costs may also apply.
You could face delays and penalties:
- Must wait for General Enrollment (Jan–Mar)
- Coverage may be delayed
- Possible lifetime penalties
Disclaimer: This information is for educational purposes only and is not intended as a recommendation or solicitation to purchase any specific Medicare plan or insurance product. Medicare rules, costs, and plan availability may vary by location and individual circumstances. Altitude Wealth Management does not provide legal or tax advice. You should consult with a licensed insurance professional, tax advisor, or legal professional regarding your specific situation.
Altitude Wealth Management is a fiduciary financial planning and wealth management firm serving Lake Wylie, Clover, York County, and the greater Charlotte area.
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