COBRA – Early Retirement Consultation

We work with people facing post-employment insurance questions. When leaving a large employer and going it on your own, the choice between individual health insurance vs COBRA can feel daunting. Add to that the considerations that surface when weighing early retirement and “an expert in your corner” starts sounding like the smart play.

We help clients navigate situations like this every day. Lucent Insurance Services is an experienced advocate who sorts through the options to clearly present  you with your best solutions. It makes all the difference.

During a COBRA or early retirement consultation we thoroughly weigh each element of their coverage with COBRA against their options within the individual marketplace – including Medicare.

Answers to Important Questions About COBRA

• Can I save money moving from COBRA to the individual market or Medicare?
• I take expensive brand-name prescription medications –  how does this affect my choices?
• I am of Medicare age but my spouse is not – how does this affect my options?
• I have a specific timeline for when I’d like to retire – how do my options affect this decision?

We answer these frequently asked questions and address the more intricate and personal ones that arise. Our job is to be your partner and guide – to make certain your choice is educated and serves your immediate and long-term goals.

 

Great Advice is Worth the Investment

When you have an expert at hand, there is no need to become a health insurance expert yourself. That’s our job – A knowledgeable voice, strong arm and comforting shoulder when you need one. Your good health is a journey that we are prepared to take with you!

Clients rely on us to come up with solutions to life’s medical curve balls. It all starts with asking the right questions and listening carefully to your answers. We save you the time and frustration that arise when approaching the insurance system on your own and have been at this long enough to know what questions lead to the heart of an issue. We put this vast knowledge to work for you – we know who to call and what to do to get things done – and done right the first time!

 

Meet with us Face-to-Face

Even in this digital age we are happy to meet with you face to face! We have offices in  Campbell and Santa Clara – whichever is most convenient for you. An appointment is required and there is a fee for our service. To schedule a time to meet, please call 408-348-8930 or email via our contact page.