When shopping for the right Medicare Advantage plan, it’s easy to get lost in the fine print. Many of the copays and benefits are straightforward, but some of the plan features may also really help you save both time and money. For example, a plan that doesn’t require you to get a referral to see a specialist means that you could avoid paying two copays (one for your primary care physician and the other to the specialist). When comparing plans, this type of added value may help you save money in addition to providing you with the best benefits that are suited to your needs.
There are several steps you can take when comparing plans. The first and easiest one is to ask friends and neighbors what Medicare Advantage plans they are on. Ask them why they like it and how it has helped them. Ask them what they don’t like about the plan. Are you seeing a pattern with the answers? Getting an understanding of all the pros and cons of a Medicare Advantage plan will help you when it comes time to make the final decision.
Another step to consider is attending a group enrollment meeting in your neighborhood that is hosted by a licensed agent. These meetings are a great way for you to get easy to understand answers to many of your Medicare questions. For example, Viva Medicare offers a number of group enrollment meetings throughout October, November, and early December to help people compare plans, listen to other attendee questions, and if you want, enroll in a Viva Medicare plan.
Once you begin to narrow down your list, it’s also important to consider several factors, such as:
- Are my doctors and specialists in the plan’s network?
- Are my prescription drugs covered?
- Can I afford to pay all the health care costs that Original Medicare does not cover?
- Can I talk with a customer service agent locally or in person?
- Which plan fits with my monthly budget?
The benefit for attending one of these hassle-free group meetings is the personal attention you can receive. A licensed Viva Medicare agent can help you answer many of the above questions and more. They can even help you look up your doctors and prescriptions to make sure you are enrolled in the right Viva Medicare plan for you. To find a group meeting near you, click here.