Why Spouses Always Need Their Own Plan — and How to Pick Smart

This one surprises almost everyone.

Medicare is individual coverage — there are no family or joint plans like employer insurance.

So even if you’ve been married for 50 years, you each have your own:

• Medicare card
• Plan choice
• Premiums and deductibles

Tip:

Sometimes one spouse benefits from an Advantage plan with extra perks, while the other might need a Supplement for more flexibility.

It’s not about matching — it’s about optimizing.

The Bottom Line

Medicare is a solo act — but with the right setup, both of you can get exactly what you need.

Doreen Marino | 65+ Insurance Solutions
www.dmarinomedicare.com