Navigating Medicare can feel overwhelming at first — but it doesn’t have to be. The key is to start with what matters most to you: your health needs, prescription medications, how often you see your doctor, and your long-term health goals.
Ask yourself: Does my current Medicare plan truly support the lifestyle I want?
Health Plans of America offers helpful resources and guidance so you can make confident, informed decisions. Below is a quick guide to important factors to consider before enrolling in or changing your Medicare plan:
1. Look for Extra Benefits That Match Your Health Goals
Original Medicare (Parts A and B) covers hospital and medical services, but it doesn’t include vision, dental, or hearing care. If these are important to you, consider a Medicare Advantage plan — many offer these additional benefits. Keep in mind that costs and coverage can vary since Advantage plans are provided through private insurers.
Alternatively, Medicare Supplement (Medigap) plans may help cover out-of-pocket costs or offer add-on benefits if your current plan doesn’t include what you need.
2. Make Sure You Can See the Doctors You Prefer
If keeping your current doctors and specialists is a priority, pay close attention to each plan’s provider network. Some Medicare Advantage plans require you to use in-network providers, while others offer more flexibility. Always verify that your preferred doctors are covered before you enroll.
3. Consider Your Travel Plans
Do you spend part of the year outside the U.S. or travel frequently abroad? In that case, supplemental coverage may be the right choice. Original Medicare generally doesn’t cover medical care outside the country, so it’s important to confirm with your plan representative what your options are before traveling.
4. Don’t Overlook Prescription Drug Coverage
Even if you don’t currently take prescription medications, it’s wise to plan ahead. Health needs can change unexpectedly, and having Medicare Part D or prescription coverage through an Advantage plan ensures you’re protected from high out-of-pocket medication costs in the future.
Ready to Find the Right Plan for You?
Now is the perfect time to explore your options. Fill out a form and get connected with a licensed insurance agent to get personalized guidance. They’ll connect you with a licensed insurance agent who can help you compare plans and find one that fits your needs and budget.
Take the first step today — your future health and peace of mind are worth it.