This year my wife and I decided to get some professional advice before renewing our Medicare supplemental plans. We were very pleased with the help given to us by Melissa. Her prompt and professional guidance ended up saving us more than $200 a month, with essentially the same coverages we had with our previous provider.
Retirement Benefits by Birth Year
Life expectancy nearly doubled during the 20th century with a ten-fold increase in the number of Americans age 65 or older. Worldwide, 901 million people are over the age of 60 today. That number is projected to reach 1.4 billion by 2030 and nearly 2.1 billion by 2050. This is all good news! Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances.
When should you apply?
Generally, you should apply for retirement benefits four months before you want your benefits to begin. Choosing the month you start to get benefits is an important decision. You may receive benefits as early as age 62 or as late as age 70, however, benefits will be reduced a fraction of a percent for each month before their full retirement age. If you plan to continue working after you reach age 62, it may be to your advantage to start your retirement benefits before you stop working.
The chart below can be helpful when calculating your retirement amounts and/or reduction amounts. Select your year of birth to find out how much your benefit will be reduced if you retire between age 62 and full retirement age. For more detailed information visit the Social Security website here: Benefits By Year Of Birth
** If you decide to delay your benefits until after age 65, you should still apply for Medicare benefits within three months of your 65th birthday. If you wait longer, your Medicare medical insurance (Part B) and prescription drug coverage (Part D) may cost you more money.
Jim and Jean I. Ellicott City, MD
Melissa MacCalla was wonderful. She helped me look at all my options, the pros and cons. I believe she gave me honest information and what would be in my best interest. She was not pushy toward any particular plan. She just spelled out everything clearly so I could make an informed decision.
Vivian Juvan ST. Augustine, FL
I was so grateful to have found Senior Healthcare Solutions. I was presented with information on every plan out there, their differences and costs. I was furnished all the application forms directly from them with most of the information already completed and clearly marked where I needed to sign or fill in details. I will be sticking with this company for long term and recommend them to everyone. Thank you.
Kathy K Colorado
Denise was a great help to my husband and I as we evaluated and selected our Medicare supplement options. I began inquiring a couple of years ago, and Denise checked back every few months to see where we were in the decision-making process and if we he questions or concerns she could help us with. Absolutely no pressure from her, but the occasional 'check backs" kept her on my radar for when we were finally ready to make a decision.
Anne Medders Orlando, FL
Denise called me at the beginning of the summer and offered her services in getting me (and my husband) set up with a supplementary insurance to go with medicare. I am extremely satisfied with her service, not to say patience, in dealing with all the vagaries of our situation, including the interruption of hurricane Michael in the middle of our looking at my husband’s plans. You did a GREAT JOB!
Michelle Rollins-Hall Tallahassee, FL
We have worked with Denise Brannigan for the last two years to get my husband's and my Medicare supplements and RX coverage at a reasonable rate. She was encouraging and very supportive. It is nice to work with someone who listens to me rather than trying to sell me something. I highly recommend her to my friends.
Carol SheffieldKnoxville, TN
This is the second time in a few years that I have had the pleasure of dealing with Melissa McCalla. She has been professional, efficient and effective each time. I would not consider contacting anyone else for my supplemental insurance needs!
Gale B Englewood, FL
Denise is a most caring and diligent agent. She was persistent in finding the best policy for me. I appreciate her hard work and the time and effort she put in.
Dianne BBattleCreek, MI
I am very pleased with the service I have received. Melissa was very helpful and found what I could afford. I definitely will refer this group to other seniors. Thank you!
Linda CEarleville, MD
Very helpful. Great experience
Bruce FPalm Beach, FL
All I can say I am sooooo happy my friend gave me your contact info. I really don’t like paper work and they make it so easy to handle. Very easy to work with and return calls promptly. Can’t say enough good things about them.
Dianne DEaston, PA
Thanks for your time and help with my Medicare gap insurance. It’s a complicated subject that you made easy to understand.
Gary CLadonia, TX
Denise Brannigan was very well versed and help me a lot.
Clarice GBoca Raton, FL
I recently purchased a Medicare Supplement policy for me and my husband. Melissa is a dear to work with. She is a very nice young lady. She was very helpful and always gets things done the right way. I am very pleased with everything she did.
Fred & Alice MUhrichsville, OH
Can not say enough good things about the service. Denise was great.
Norma RMcGregor, TX
Melissa MacCalla was referred to me by a friend who had worked with her in the past and raved about her. Because of her knowledge and expertise, she saved me hours of time, making the whole process painless and effortless. Melissa always responded to my questions within the hour if not within minutes. I highly recommend using Melissa. And one more thing, their service is free.
Linda NOrange Park, FL
I’m so happy with the personal help I got from Denise and Melissa. Last year Denise helped me set up my husband’s supplemental health coverage. I knew I would seek her help when it was time for me to choose supplemental coverage. They are good at what they do as well as very caring. Thanks so much!
Laura SLawrence, KS
Denise did a wonderful job for us. It had been a long time since I dealt with someone so professional and knowledgeable. She was very understanding of our situation and explained things in terms I could understand. She is a valuable employee for your team. Thank you.
Elaine H and Ric TJacksonville, FL
Denise was WONDERFUL!!! She helped my neighbor walk through her options and was diligent about following up with final papers. Denise is very positive, kind, warm, and efficient! She gets a 10 star rating!!!!
Carmel I Kensington, MD
I would like to recognize Melissa MacCalla for her efforts in helping myself and my wife secure MediGap insurance. Melissa was knowledgeable, diligent, polite and patient. In fact, she had worked on securing all the penitent information necessary via emails right up until Hurricane Irma was about to hit Florida, when I am sure she probably had many, many other things on her mind, including her and her family's safety. As such, I wanted her efforts to be known. If you need anything else, please feel free to reach out to me.
Michael WBedford Hills, NY
Melissa was a pleasure to work with. Her recommendations and quick responses to our questions confirmed in our minds that working with her was the wise choice. Other agents did not provide the kind of service that we required as Melissa did and thus she comes highly recommend to anyone in need of a four star agent.
Steve & Wendy WMount Dora, FL
I would like to thank Melissa for all her help getting me set up with my benefits after retirement. She was understanding, thorough and gentle with this old stubborn lady and I am so grateful to her for making this time in my life so much less stressful! She even filled out some of my forms for me and her patience and kindness was always evident! You were a godsend to me!
Sandy T-GWillowick, OH
Denise and Melissa, we greatly appreciate your hard work that assured us to have the best Medicare supplement plans available in 28056 zip-code area. Your ongoing positive encouragements were very comforting in our situations. We wish you all the best for the upcoming holidays. Best regards,
Betty and Attila TGastonia, NC
My experience with Denise Brannigan has been great. Changing coverage after 14 years is a difficult decision. I had often thought of comparing plans but for the most part no one wants to truly assist in comparison shopping. They just want to sell their plan. When first talking with Denise, she seemed focused on finding me the best plan suited for me. I am sure our relationship will be long term. I am very pleased with all plans that I now have as a result of Denise’s hard work.
Helen GHowell, MI
Denise was a great help to us . We had no idea what to even look into or where and she made it so easy and was so helpful. I am glad my friend gave me her number and recommended her to us. She made it so easy to understand what we needed and explained it so that we did understand. I have recommended and have given her number out to two people so far that have just retired and are looking for extra insurance.
Lina MSmithville, MD
We're Here to Help
Call us at 1-866-MEDIGAP (633-4427) or complete our Contact Form and one of our licensed specialists will take the time to make sure that all your questions are answered.