Planning for retirement is daunting. Aside from property taxes, house and car insurance, utilities and food, retirees must also budget for life insurance, annuities, long-term care and Medicare—to name but a few. Medicare can be especially daunting when you factor in all the options. It’s enough to make some newly minted retirees contemplate going back to work.

If you’ve ever wondered how prescription drug coverage works, what isn’t covered, which option is right for you or what the difference between a Medicare supplement and a Medicare Advantage plan is, Graberg Insurance Solutions provides reassurance coupled with clear answers so you can make decisions for your future with confidence.

Kathleen Graberg, 66, also helps customers understand eligibility and enrollment periods, and identifies situations in which customers qualify for a special enrollment period, including retirees who’ve lost employer-based coverage, patients who have been diagnosed with certain qualifying chronic health conditions, individuals who have moved out of their plan’s service area and those who qualify for Extra Help (Part D). 

To prevent unwanted surprises for customers, Graberg also looks up their doctors, hospitals, specialists and clinics to ensure they’re part of the larger provider network. Additionally, she verifies that their medications are included with the insurance plan in question and provides anticipated costs. 

LEARNING TOGETHER

Graberg lived in Germany before moving to the U.S. in 2000. She began working in the insurance industry, then opened Graberg Insurance Solutions in 2016. 

As a representative of United Healthcare, the leading insurance provider in Colorado, Graberg is well versed in the many nuances of Medicare. Her years of experience complement her ability to see both the big picture and the finer details.

“I’ll be doing this until I’m 86,” she said. “I love what I do, and I have colleagues in this business who are 75. I don’t feel like I ever have to retire.”

Her love for her work is evident in the way she tailors her services to each of her customers. 

“Customers learn with me,” she explained. “All I ask is that they bring an open mind and let me know why they want a particular service. They tell me how much they can afford, and I work with their budget.” 

Graberg recognizes that no two customers’ situations are the same and goes the extra mile for them. Customers across Colorado voice their appreciation, including seniors in need of a more robust insurance plan. 

One of Graberg’s favorite aspects of working in the insurance industry is the moment when her customers realize the process is much easier than they anticipated. 

Once they realize how much Medicare has to offer, “Many people are happy to turn 65,” Graberg explained.

But for those who still find Medicare intimidating, Graberg offers free consultations. She understands that choosing a plan can be a very emotionally charged decision with multiple variables to consider, including premiums, deductibles and providers. 

CONSULTATIONS AT YOUR CONVENIENCE

In addition to helping seniors with Medicare, Graberg offers convenient 30-minute appointments to help them with life insurance, hybrid insurance (life insurance policies that include a long-term care benefit) and retirement planning.

To schedule an appointment, call her at 719-460-7580.