Leah Sugar Kari, Licensed Insurance Agent and Broker Specializing in Medicare Health Insurance Plans

What to Consider When Choosing or Changing Your Coverage

As you review your Medicare health coverage, here are some things to consider to determine if you have the right coverage or should be looking for a new policy.

What do you like about the coverage you have now?

What would you add to your coverage to have it meet your needs?

How well does the plan cover the services you need?

Your other coverage: If you have other types of health or prescription drug coverage, make sure you understand how that coverage works with Medicare. If you have employment-related coverage, or receive your health care from an Indian Health or Tribal Health Program, talk to your benefits administrator or insurer before making any changes.

Costs: How much are your premiums, deductibles, and other costs? How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out-of-pocket for medical services? Make sure you understand any coverage rules that may affect your costs.

Doctor and hospital choice: Do your doctors accept the coverage? Are the doctors you want to see accepting new patients? Do you have to choose your hospital and health care providers from a network ? Do you need to receive referrals?

Prescription drugs: Do you need to join a Medicare Prescription Drug Plan? Do you already have creditable prescription drug coverage? Will you pay a penalty if you join a drug plan later? What's the plan’s overall star rating? What will your prescription drugs cost under each plan? Are your drugs covered under the plan's formulary? Are there any coverage rules that apply to your prescriptions? Are you eligible for a free Medication Therapy Management (MTM) program?

Quality of care: Are you satisfied with your medical care? The quality of care and services offered by plans and other health care providers can vary. How have Medicare and other people with Medicare rated your health and drug plan’s care and services?  Let me help you compare plans.

Convenience: Where are the doctor's offices? What are their hours? Which pharmacies can you use? Can you receive your prescriptions by mail? Do the doctors use electronic health records (EHRs) or E-prescribe? Can you receive an electronic copy of your information by email or to store in a personal health record? Is the pharmacy you use in the plan’s network? Is it a preferred pharmacy within the network? You may pay less for some drugs at pharmacies that are preferred pharmacies. 

Travel: Will the plan cover you if you travel to another state or outside the U.S.?

I know you have questions, so give me a call at 520-484-3807.  I will provide complete information so you can make the right decision about the policy that best suit your needs.

By contacting the phone number on this website you will be directed to a licensed agent.

Source:  www.medicare.gov.