![]() Cardinal Advisors is not affiliated with or endorsed by the Social Security Administration or any other government agency. You are encouraged to seek tax or legal advice from an independent professional. Information provided is not intended as tax or legal advice, and should not be relied on as such. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone Capital Management. They do not refer, in any way to securities or investment advisory products. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. There is no assurance that any investment strategy will achieve its objectives. ![]() Investments and/or investment strategies involve risk including the possible loss of principal. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. BCM and Cardinal Advisors are independent of each other. Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. (If you qualify for a Special Enrollment Period, this restriction does not apply.) Medicare Supplements, on the other hand, can be changed at any time of year. This means if you purchase a policy and don’t like it, you’ll have to wait a year until you can get out of it. Medicare Advantage plans can only be switched during the Medicare Annual Enrollment Period from October 15th – December 7th every year. Advantage plans can only be switched during Annual Enrollment If you visit the doctor frequently, you might want to compare your options to see what might be more affordable in the long run. ![]() Medicare Advantage plans still require that you pay copays, coinsurance, and deductibles when you use services. This means you could have very limited choices of Advantage plans, or even no Advantage plans, offered in your area. AvailabilityĪdvantage plans are based on your zip code. If you frequently visit family or friends in other locations or travel a lot, you might not want to sign up for a Medicare Advantage plan. Does not travel wellīecause of the network restrictions, Advantage Plans don’t travel well. To avoid a huge medical bill, you’ll have to be sure you’re in network every time you visit a doctor. ![]() If you go out of network, you’ll likely have to pay more out of pocket than you would’ve otherwise and could even incur the full cost of medical services provided to you. Medicare Advantage plans require members to stay within a network of certain doctors and hospitals. Cons of Medicare Advantage Network restrictions
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