Daniel Goldstein
ABOUT Daniel

Dan currently serves as a Branch Director with Pure Financial Advisors. He has experience in diversified financial services, working with large corporations as well as high-net-worth individuals, families, entrepreneurs, and business owners. He's adept at evaluating client needs and delivering tailored financial solutions for investment management, retirement planning, risk management, and high-level estate planning. Dan [...]

Medicare can seem complex with its four parts and various coverage options. Pure’s Financial Planner, Daniel Goldstein, CFP®, AIF®, simplifies it for you to help you find plans that suit your needs and budget.

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Medicare has four parts: Part A; hospital insurance, Part B; medical insurance, Part C; Medicare Advantage, and Part D; prescription drug coverage.

There are two main types of Medicare plans: Original Medicare and Medicare Advantage. Original Medicare is the traditional fee-for-service plan offered by the government, while Medicare Advantage is a private insurance plan that provides additional benefits beyond what Original Medicare covers.

Part A is hospital insurance that covers inpatient stays, hospice care, skilled nursing facility care, and some home health care services. Part A is usually free if you or your spouse paid Medicare taxes for at least 10 years.

Part B is medical insurance that covers doctor visits, preventive care, outpatient services, and medical equipment. Part B has a monthly premium that depends on your income and a yearly deductible that you have to pay before Medicare starts paying its share.

Part C is also known as Medicare Advantage. These are plans offered by private companies that combine the coverage of Part A and Part B, and often include Part D and extra benefits like vision, hearing, and dental services. Part C plans have different costs and rules depending on the plan you choose.

Part D is a prescription drug coverage that helps you pay for your medications. Part D plans are also offered by private companies and have different costs and formularies (lists of covered drugs). Part D is optional and can be added to Original Medicare (Parts A and B) or included in a Medicare Advantage plan (Part C).

To compare the different Medicare plans and their costs, you can use the Medicare Plan Finder tool on the official Medicare website. This tool can help you find plans that suit your needs and budget. Take advantage of Pure’s free financial assessment to see how Medicare plays a crucial role in your retirement plan.

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• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor.

• Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

CFP® – The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.

AIF® – Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation.