How do I know what coverage is right for me?
Who is this for?
If you’re shopping for a Medicare plan, this information can help you choose the coverage that fits your needs.
You have choices when it comes to Medicare coverage. And that's a good thing. Everyone has different health care needs.
Choosing the right plan for you starts with finding out what's offered and matching a plan with the particular benefits you're looking for.
You'll also have to find the sweet spot that balances the lowest out-of-pocket costs with a monthly payment you can afford.
Here are some steps that can help you weed through the choices to find the best plan for you.
Step 1: Understand how Medicare works
First, understand the basics of Medicare and how the Parts work together.
- What is Original Medicare?
- What do Medicare Parts A, B, C and D mean?
- How does Part D prescription drug coverage work?
Step 2: Determine your health care needs
How much do you use your insurance? Do you see the doctor a lot? Do you take prescription drugs regularly? Or are you fairly healthy and rarely go to the hospital? These are just some of the questions to ask as you think about what kind of plan you need.
- Make sure your doctors, pharmacies and drugs are covered in your plan.
- This "Making the Most of Medicare" booklet includes a questionnaire that can guide you through your health care options.
- Try this AskBlue video. It's another resource that can help you understand your choices.
- You can always contact us with any questions.
Step 3: Understand your coverage choices
Once you have an idea of what's offered, you'll decide if Original Medicare offers enough coverage for you. A Medicare Advantage plan has all the benefits of Original Medicare and more. We also offer plans that supplement Medicare.
- What's the difference between Original Medicare and a Medicare Advantage plan?
- How does Medigap work?
- What's the difference between a PPO, HMO and HMO-POS plans?
Step 4: Enroll in a plan
When you're ready, you can enroll in a plan. If you opt for Original Medicare, you'll have to enroll through Social Security.
If you choose a Medicare Advantage plan, call the private insurance company that you've picked.
There are important times and dates to remember for signing up if you want to make sure your coverage starts on time.
Step 5: Maximize your benefits
Once you pick a plan, make sure you get the most out of it. Some plans cover annual check-ups and immunizations. Others offer a free fitness club membership, discounts and more savings. Some plans even offer a consultant who will work with you to get the most out of your plan.