Health Insurance

I believe the better educated you are about Medicare insurance, the better you’ll be able to make good decisions about your Medicare health insurance choices. That’s why I’ve created this resource section.

This Medicare Learning Center is here to educate you on Medicare health insurance and provide you with the resources to help you select the right plan for your unique needs.

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

Coverage

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 get 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.

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 get 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?

The 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? Get help comparing plans and providers.

Convenience

Where are the doctor’s offices? What are their hours? Which pharmacies can you use? Can you get your prescriptions by mail? Do the doctors use electronic health records (EHRs) or E-prescribe? Can you get an electronic copy of your information by email or store in a personal health record? Which pharmacies can you use? Is the pharmacy you use in the plan’s network? If it’s in the network and your plan offers preferred cost sharing, does your pharmacy offer preferred cost sharing? You may pay less for some drugs at pharmacies that offer preferred cost sharing. Can you get your prescriptions by mail?

Are you a Traveler?

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

If there’s anything you need or if you have any questions, please feel free to contact me. I’m here to help.

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