Tips for choosing your Medicare coverage

Whether you have turned 65, or are about to in the next few months, it’s important that you understand all your Medicare coverage options. Many aspects of Medicare coverage — prescription prices, premiums, and other mandates — change from year to year, so you should do your research early.

Medicare’s 2020 Annual Election Period (AEP) opens October 15 and ends December 7.

1. Compare plans.

Not all Medicare options are equal. Think about elements that are important to you. Are you looking for extra benefits beyond traditional Medicare, such as a fitness benefit? Do you want to speak face-to-face with a customer service representative if you are having issues? Do you want a Medicare option that knows the local providers? What monthly premiums are you willing to pay? These are all important questions to ask the person helping you enroll in a Medicare plan.

2. Reputation matters.

Go online and see what others are saying about the plans you are considering. Hearing from people just like you will help you make a good decision.

3. Pay close attention to your medications.

The prescriptions and pharmacy of choice are two very important elements when choosing a plan. You want to know the costs of the prescriptions you need, what pharmacy will carry them, and how much you are expected to pay.

4. Call your doctor.

Odds are, you trust and like your doctor and want to keep him/her. Give their office a call, and ask if they are available with your Medicare plan. If you have a favorite doctor or office, this will help you narrow the options.

5. In case of an emergency.

Going to the emergency room or needing a hospital stay could mean a big hit to your wallet. Check the costs for these items in the Medicare plans you are considering ahead of time so you are well-prepared if an emergency were to occur. And, should you become very ill and face numerous healthcare bills, find out the maximum amount you would pay out of your own pocket. You want to know you have protections.

Your health is the most valuable asset you have. As you plan to enroll in Medicare or review your annual options, it’s essential to do all your research early and make your best choice.

Aspire Health Plan complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Other providers are available in our network. H8764_ MKT_ChoosingTips_0819_C