Often, when I discuss retirement and health care with my friends, I hear the same thing: ”My current health plan is changing again. There’s all these new rules.” “That is why you should review your Medicare health plan every year,” I tell them. 

As your health needs change, you may need to consider making other arrangements regarding your Medicare health plan.  As we all know, Medicare plans and rules change every year and that is why you should compare coverage to see which Medicare plan is right for you based on your current need.

When you do finally compare your needs, you might be surprised what may be available in your area such as:

1. The same network with your doctors and preferred pharmacy
2. Your prescription drugs at a lower, more affordable tier
3. Lower Costs
   • No premium
   • Reduced max-out-of-pocket (MOOP)
4. Extra benefits that Original Medicare (Medicare Part A and Part B) doesn’t cover,
   • Vision
   • Dental
   • Hearing
   • OTC Benefits
   • Spending allowance for healthy foods / grocery

When you are finally ready to compare plans, either online or by phone, contact us to speak with a licensed insurance agent, which allows you to get an estimate of your out-of-pocket costs.

When you are ready to contact us, please have a full list of your prescription drugs on hand, so we can review the new plan formulary, and compare the cost of the drugs.  At the same time we can compare monthly premiums for the different plans and review the monthly co-payments to see whether there are any restrictions or limits.

Also let us know which benefits you are most interested in integrating with your new Medicare Advantage plan (i.e. are you more interested in plans with higher dental benefits). Medicare Advantage plans offer many more benefits than Original Medicare. Contact us now to find out more!