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Choosing a Medicare Plan

Senior couple choosing Fresh Fruits at a Market deciding on how to choose a Medicare Plan.

Choosing a Medicare plan is hard – we won’t sugarcoat it for you. There are many plans to choose from, and everyone’s needs are very different. But, without a good understanding of your coverage options, you could be left paying hundreds – or more likely, thousands – of dollars that you wouldn’t have had to spend otherwise.

Don’t make this process harder than it already is. Reach out to one of our agents so we can help you choose a Medicare plan that’s right for you. We can help teach you how different plans work and compare options in your best interests.

How to choose a Medicare Plan

Choosing a Medicare plan is a vast, significant decision.

Choosing the wrong plan could cost you hundreds or thousands of dollars. Missing an enrollment period could mean that you get denied coverage altogether.

Think about how much you can afford to pay for coverage. This will help you rule out plans that don’t fit your budget. Next, weigh the differences of premiums versus coverage. Would you instead pay more and have more coverage or pay less and take the risk of having less coverage?

Think about your lifestyle. Do you travel a lot? If so, you’ll likely want a Medigap plan since Medicare Advantage plans don’t offer coverage outside of their service area.

If you’ve got some time, ask your current providers if they accept Medicare Advantage. If you’re not willing to change providers, it’s crucial to find a plan that your provider accepts.

You don’t have to do this alone. The best way to choose a plan is to do so with some help from Senior Benefit Solutions. We won’t decide for you, but we will ensure you know what to consider and your options.

Two sticky notes with the words Plan A or Plan B, referring to a Medicare Supplement Plan.
The best Medicare supplement plan is the one that both covers all your needs and fits your budget.

What Medicare Supplement Plan is best?

That depends. There is no one answer for anything associated with Medicare. The best Medicare supplement plan is the one that both covers all your needs and fits your budget. You will have to weigh the coverage and premium options.

For instance, Plan F has the most coverage – you’ll likely have no out-of-pocket expenses if you choose this plan. But, it’s also one of the most expensive on the market. On the other hand, Plan N has a little less coverage but also a lower premium.

The correct answer will depend on your unique circumstances. We can help you weigh these options and get you moving in the right direction.

Choosing a Medicare Advantage Plan

Many people choose a Medicare Advantage plan because of their low premiums. They offer additional benefits outside of Original Medicare at an affordable price. Benefits include dental, vision, hearing coverage, housekeeping services, prescription drug coverage, and caregiver counseling and training.

Please speak to one of our licensed agents at Senior Benefit Solutions to determine which Medicare Advantage plans are available in your area.

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