CONTINUED FROM PAGE 33
by JEAN CHATZKY AND
DR. MICHAEL F. ROIZEN
They’re private and personal, yes, but
your health and wealth have to be team
sports. Why? Because almost every successful endeavor we can think of has a
team structure. Science shows that your
body and brain want you to have strong
networks that will help you. Who is going
to help you get where you want to go?
Your money team
Putting together a team of financial
professionals will increase the probability
that you will make the money you need,
establish financial security and have the
freedom to enjoy what you want in life.
We recommend a “money buddy” to
share goals with and to serve as that little
voice that coaxes you along. Second, a
financial adviser is meant to steer you
in the right direction. Other money
team members should include an estate
planning attorney and a tax expert.
Your health team
Think of your approach to health
as building a web of people who have
expertise that can help you anticipate
problems—that is, not just fighting diseases. Here’s who should be on the team.
Find an accountability buddy for
health. The best person is someone who
gets you, is perhaps slightly ahead of you
when it comes to health goals and can
provide care, direction and sternness.
You’ll also need a top-notch primary
care provider as your gateway into every
health issue you may ever have. The
other essentials are a pharmacist, an
obstetrician-gynecologist for women and
a urologist for men. Others used once
or twice a year are a dermatologist,
dentist, eye doctor and podiatrist.
Use them regularly to prevent bigger
problems down the road.
Jean Chatzky and Dr. Michael F. Roizen are
the authors of AgeProof: Living Longer
Without Running Out of Money or Breaking a
Hip (Hachette, 2017; not available at Costco).
This advice was excerpted from the book.
as these are the options at hand:
• Part A, provided by Medicare, pays
for hospital bills.
• Part B, provided by Medicare, pays
for outpatient care, doctor visits, physical
therapy and other services.
• Medicare Supplement (Medigap)
Plans, offered by private insurance
companies, cover some or all of the costs
that are not covered by Parts A and B.
They generally don’t cover long-term
care, vision or dental care, hearing aids,
eyeglasses or private-duty nursing.
• Part D plans, offered by private
insurance companies, pay for medicines.
• Medicare Advantage plans, often
called Part C, offered by private insurance companies, take the place of
Part A, Part B and Part D drug plans.
Action: Do your homework!
What’s next? Here are the key steps.
• Research, research, research. Start
at medicare.gov, and search “Getting
started with Medicare.” Also, AARP has
a Medicare Question and Answer Tool
on its website ( AARP.org/health/medi
• Use a free tool on Medicare.gov, the
Medicare Plan Finder, which you access
by clicking on “Find health & drug plans.”
If you have trouble using the internet, ask
a friend or relative to help.
• See my website, medicaredrug
savings.org, for a free video that explains
the Medicare Plan Finder and reviews
other resources to help with expenses.
• Go to the State Health Insurance
Assistance Programs website (ship
tacenter.org) to find the agency in your
state that provides free one-on-one counseling about Medicare options and other
resources to cover medical expenses.
If you understand Medicare and take
time to research all the options, you can
find a plan that meets your unique health
care needs in your golden years.
Dr. Steven Cohen is an internist in the
Atlanta area and a Costco member.
3CREATE A TEAM