Choosing a Medicare Plan

Choosing a Medicare Plan comes down to what benefits you’ll use most. 

If Original Medicare works for you for the most part but you would like additional benefits, Medicare Advantage could be a good fit. 

Costly copayments for lengthy hospital stays and medical services are your biggest worry? A Medicare Supplement may be what you need . 

Just need your prescriptions covered? Medicare Part D is the plan for you.

Ready for a quote?

Choosing a Medicare plan from the crowd

How do you pick a plan or two out of the crowd? 

Ask yourself: 

  • Do I want less premium or more benefits?
  • Do I need prescription drugs covered?
  • Is it important to have coverage for when I travel?

Then, provide these answers to one of our licensed Medicare insurance agents and we can tell you the plan that would make the most sense for you! It costs nothing for our help!

Choosing a Medicare Advantage plan

Medicare Advantage plans will vary in: 

  • Whether they contain Part D prescription drug coverage
  • Primary and specialist copay visits
  • Benefits included (dental, vision, hearing, fitness memberships, transportation to healthcare services, over-the-counter drugs, etc.)
  • In-network out-of-pocket max (has to be under $6,700)
  • Deductibles

Choosing between Medicare Supplements

Medicare Supplements will cover different percentages of: 

  • Medicare Part A coinsurance or copayment and hospital costs
  • Medicare Part B coinsurance or copayment
  • First three pints of a blood transfusion
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible***
  • Medicare Part B excess charges 
  • Foreign travel emergency (up to plan limits)

*** Those who turn 65 after January 1, 2020 are not eligible for plans that offer this benefit

You’ll need to decide which cost-sharing you need covered most and what you’re comfortable paying for in premium.

Choosing a Part D plan

When picking a Part D plan, you need to make sure the prescriptions you currently take are covered. Then, you need to decide whether you want a lower deductible and premium or more coverage.