{"id":21,"date":"2026-09-21T13:00:00","date_gmt":"2026-09-21T13:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/corsiniinsurancesolutions-com\/2026\/09\/21\/us-retirees-need-medicare-gap-plans\/"},"modified":"2026-09-21T13:00:00","modified_gmt":"2026-09-21T13:00:00","slug":"us-retirees-need-medicare-gap-plans","status":"publish","type":"post","link":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/2026\/09\/21\/us-retirees-need-medicare-gap-plans\/","title":{"rendered":"US Retirees Need Medicare Gap Plans"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/cindy-corsini\/suze-orman-medicare-8ee0\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>It\u2019s easy to assume Medicare will take care of all your health costs in retirement, but the reality is more complex. For someone retiring at 65 in 2026, average health care expenses are estimated at $185,500\u2014far beyond what Medicare alone covers. I often hear from people who are surprised to learn that Original Medicare doesn\u2019t include routine dental, vision exams for glasses, hearing aids, or long-term custodial care. Even with covered services, there are still out-of-pocket costs: for example, in 2026, the Part B premium is projected to be about $203 a month, plus a deductible and around 20% coinsurance. Higher incomes may also mean added surcharges.<\/p>\n<p>If you\u2019re approaching retirement, it\u2019s important to review these gaps early. Take time to compare Medigap options during your one-time enrollment window, and consider using a health savings account to build up extra reserves before you become eligible. My approach is always to make these choices clear and manageable, so you can feel confident your coverage fits your real needs, not just what\u2019s expected.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s easy to assume Medicare will take care of all your health costs in retirement, but the reality is more complex. For someone retiring at 65 in 2026, average health care expenses are estimated at $185,500\u2014far beyond what Medicare alone covers. I often hear from people who are surprised to learn that Original Medicare doesn\u2019t [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":46,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/comments?post=21"}],"version-history":[{"count":0,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/21\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media\/46"}],"wp:attachment":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media?parent=21"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/categories?post=21"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/tags?post=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}