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How can I compare Medicare plans and choose the best one?

When making your Medicare selections, compare what you want and need to what the various plans offer. Start by asking yourself the following questions:
  • What is most important to me in a Medicare plan? Cost? Coverage? Convenience?
  • Will the plan meet my medical needs?
  • How much will I have to pay for premiums, deductibles, doctor visits or hospital stays?
  • Will my doctors accept the coverage? If not, are there good doctors near me who will?
  • How important is it that I choose from among a wide range of providers?
  • Will I have to choose hospital and health care providers from a network?
  •  Will I need referrals to visit specialists?
  •  Is there a yearly limit on out-of-pocket costs?
  •  Will the plan cover me if I get sick while traveling in another state?
  •  Will the plan cover me if I get sick while traveling overseas?
  •  What are my prescription drug needs now?
  •  What might my prescription drug needs be in the future?
  •  What will my prescription drugs cost under each plan?
  •  Are my drugs on the plan's formulary (drug list)?
  •  Does the plan include the pharmacies I currently use?
  •  Can I get my prescriptions through the mail?
  •  Can I realistically afford the cost of my preferred plan? If not, what are my best alternatives?
  •  Does the plan have a 24-hour customer service line?
  •  Are the customer service representatives helpful and knowledgeable?
  •  Does the plan have a good quality rating?
 
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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.