TL;DR
The best plan for you is the one that fits your doctors, your prescriptions, your travel, and your risk tolerance. These are the questions that surface the right answer.
About your care
- Are all of my current doctors in this plan's network?
- Is my preferred hospital in network?
- Do I need referrals to see specialists?
- What is the process if I need something the plan initially denies?
About your prescriptions
- Is every one of my drugs on the plan's formulary?
- What tier is each drug on, and what is the copay or coinsurance?
- Does the plan use step therapy or quantity limits on my drugs?
About your budget
- What is my expected total yearly cost — premiums plus expected copays?
- What is the plan's out-of-pocket maximum for medical care?
- How much would a hospitalization or a specialty medication realistically cost me?
About your life
- How much of the year am I outside the plan's service area?
- Do I want dental, vision, or hearing benefits included?
- How important is it that my premium stay very low?
Educational only. This article is provided for general information and does not constitute individualized insurance advice. Medicare plan availability, benefits, premiums, and networks change annually. Scott Black is a licensed insurance agent doing business as Florida Health Resources. We do not offer every plan available in your area. For a complete list of Medicare options, visit Medicare.gov or call 1-800-MEDICARE (TTY: 1-877-486-2048). See our compliance notice.
