Things to Consider When Choosing a Medicare Plan

Here are some good questions to ask when comparing Medicare Plans available in your area:

What are the monthly premiums? Do the premiums get more expensive as you get older?
Does the plan restrict you to a specific list of providers?
Do you need a referral to see a specialist or get a medical test? Decide whether critical treatments might be delayed while you wait for this paperwork to be processed?
Are you covered if you go outside of the plan’s network or service area? If you are sick or injured while traveling? Do you spend part of the year living in another location?
Are there limits or high deductibles on hospitalization? Suppose you have an extended hospital stay or multiple hospitalizations in the same year?
What is your exposure to unpredictable expenses; are the copays fixed in advance; are you protected by an out-of-pocket maximum?
How is preventive care covered? Will you have to delay checkups and screenings until you can afford them?
What about routine vision, hearing, and dental services? Will you have to pay full costs for these services yourself? Learn more about our discount network.
Do you need prescription drug coverage? Are your medications on the plan’s formulary? Check your current medications on the Care Assured Formulary.
Are you eligible for retiree insurance through your employer or from a union? If so, review your options with your benefits administrator before making Medicare decisions.