Choosing Medicare coverage is about more than finding a familiar insurance company or a low monthly premium. The right choice depends on how you use health care and what matters most to you.
Here are several factors to review when comparing your options.
Your doctors and hospitals
Start by listing the providers you want to continue seeing. If you are considering a Medicare Advantage plan, check whether your doctors, specialists, and preferred hospitals participate in the plan’s network.
With Original Medicare, confirm that your providers accept Medicare.
Your prescriptions
Make a list of your medications, including dosage and frequency. Check whether each medication is covered by the plan you are considering and what your estimated costs may be.
You should also review the plan’s pharmacy network. Your costs may differ depending on where you fill your prescriptions.
Your total costs
Look beyond the monthly premium. Depending on your coverage, you may also have:
- Deductibles
- Copayments
- Coinsurance
- Prescription costs
- Out-of-pocket limits for certain covered services
Consider both your regular health care needs and the costs you might face if you need additional care.
Your lifestyle
Do you travel often? Do you spend part of the year in another state? Do you prefer the flexibility to see specialists without a referral?
Your answers can help you identify which features are important to review.
Additional benefits and plan rules
Some plans may offer dental, vision, hearing, or other benefits. Read the details carefully, including limits and eligibility requirements.
Also review any rules for referrals, prior authorization, and out-of-network care.
Your Medicare coverage should fit your life. Contact our office at (210) 744-0553 for a personalized conversation about your needs and the options available in your area.