Original Medicare covers doctor’s appointments and in-patient medical care, but it may not provide enough coverage for your situation. Fortunately, private insurers offer a dizzying variety of plans that deliver the Medicare benefits tailored to your needs. Below are a few tips for choosing from the variety of options available.

What to Consider When Choosing a Medicare Plan

1. Your Current Healthcare Providers

If you’re enrolling in Original Medicare, you’ll likely be able to keep your current doctor if they participate in the program. However, if you’re considering Medicare Advantage, you’ll want to choose a policy your doctor accepts. Fortunately, many private insurers offer Medicare plans, so you’ll likely find a plan your doctor participates in.

2. Prescription Drug Coverage

Medicare parts A and B don’t include prescription drug coverage, which can represent a significant part of your healthcare costs. If you're taking medications, you may want to sign up for Medicare Part D. 

If you don’t add Part D when enrolling for Medicare benefits, you may have to pay an additional monthly penalty for signing up later. Enrolling in this program can save thousands of dollars in the long run, even if you're not currently taking any medications.

3. Your Current Coverage

If you’re still covered by an employer’s health insurance plan, you may be able to enroll in Original Medicare later without paying a penalty. However, your current plan may not offer the benefits you’d get through Medicare. You may want to talk to a benefits advisor, who will help compare plans to ensure you get the coverage you need.

4. Whether You Prefer Lower Premiums or Reduced Out-of-Pocket Costs

Original Medicare plans typically feature low monthly premiums, and many people won’t have to pay anything at all. However, you’ll be responsible for more of your out-of-pocket costs. With Medicare Advantage plans, you have higher monthly premiums, but you won’t have to pay as much for copays, coinsurance, and prescription medication.

If you’re eligible for Medicare, Better2Gether Medicare Solutions will help ensure you get a plan tailored to your needs. Their agents are committed to providing detailed advice and a broad selection of policies to clients throughout Batavia, OH, (and surrounding areas) and will carefully walk you through all of your healthcare options. To speak with an agent and request a quote, call their offices at (513) 644-6444.