Medicare guide
Which Medicare plan is best for me?
Are my doctors and hospitals covered?
For Medicare Advantage, check the plan's network. For a Medicare Supplement, any provider that accepts Medicare will do — no network to worry about.
Are my prescriptions affordable?
Look at the plan's formulary, the tier your drugs fall into, and preferred pharmacies. Copays can vary widely between plans for the same medication.
What's my total yearly cost?
Add the premium, deductible, copays and the maximum out-of-pocket. The cheapest premium isn't always the cheapest total.
Do I want extras or predictable costs?
Advantage plans often bundle dental, vision, hearing and allowances. Supplements focus on predictable medical cost-sharing instead.
Do I travel or live in two states?
A Supplement travels nationwide with any Medicare provider. Advantage networks are usually centered around your home area.
Do I qualify for extra help?
If you have Medicaid, LIS/Extra Help, or a chronic condition, special plans (like D-SNP or C-SNP) may offer benefits designed for your situation.
What's my health like today?
If you see specialists often or expect a procedure, copay structure and maximum out-of-pocket matter more. If you're mostly healthy, a lower-premium option may fit.
A plan is personal.
Benefits aren't guaranteed until eligibility and current plan documents are verified. You may be eligible for certain benefits depending on the plan and your circumstances. The most reliable way to compare is to sit down with someone who can look at the plans actually offered in your county.
Let's find the plan that fits your life.
Call a local licensed professional for a no-pressure review of the options available where you live.