Choosing a Medicare Advantage plan can be a daunting task. Each insurance company offers a variety of plans coverage options. How do you decide which plan is the most efficient? There are several things to take into consideration when making your decision.
Cost is probably one of the first things that will attract or deter you from a plan. Consider how much you will pay out of pocket for premiums and deductibles.
Aside from cost, you need to take a look at the plans benefits. Some plans cover services like eye and dental exams while others don’t.
The next thing to examine is the plans prescription drug coverage. Make sure that any prescriptions you use are covered under the
plan’s formulary. If you are already using a specific pharmacy you’ll want to be sure they take your plan as well.
Choosing a plan that is accepted by the doctors and hospitals you prefer is also important. Do you have to remain within a plan's network? Will you need a referral to see a specialist?
It may seem intimidating when you first start looking for a Medicare Advantage Plan, but our agents at Accent Insurance Group will help guide you to the perfect plan to fit your life.