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There are a lot of details about Medicare Plans. But this is a general idea: you have two basic options. Original Medicare or a Medicare Advantage plan. And you get to make a choice.
When choosing a plan you get to decide if you want to receive the Original
Medicare Part A and Part B benefits plus determine if additional coverage is
needed. You get to decide if a Medicare Advantage plan is a good fit for your
lifestyle and budget and if the plan supports your needed coverage. Working with a licensed insurance agent is essential to properly pick the right plan for your
needs.
This helps cover the big things: hospital care, some skilled nursing facility care, some home health care, and hospice care.
This helps cover the services of doctors and other health care providers. Plus, it helps cover outpatient care, home health care, and durable medical equipment (like wheelchairs and oxygen tanks).
Choosing a plan may be difficult. So the first step is to determine the type of care and the type of plan that you need. These tips will help you find an answer.
Look for the materials your plan sent you (they may still be in an envelope somewhere). Or go to their website. What are your copays?
Sure, no one has a crystal ball. But you can do some math about the kind of care you'll need next year. Has there been a change in your health that might mean more trips to the doctor or new medications? What about any operation or procedure you are waiting for?
Not just visits to the doctor or pharmacy. What about everything else? Get a general idea of what you're really paying for (if it helps, take a look at your checkbook or bank statements)
Work with a licensed insurance agent to get answers to your questions and find a Medicare Plan that fits your current needs