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Congratulations! You’ve reached an exciting milestone – turning 65 and becoming eligible for Medicare. As you prepare to navigate this new chapter, it’s important to take the time to consider a few key factors before making any big decisions. Here are six things to keep in mind:
First, you’ll need to decide if you want to enroll in Original Medicare or if you need additional coverage that a Medicare Advantage or Supplement plan can provide. With so many different plans and supplements available, it can be overwhelming to determine what’s right for you. Remember, what’s available to you will depend on several factors, including your location.
Second, if you currently have health insurance coverage through an employer, it’s crucial to understand how it will work with Medicare. Will you need to enroll in Medicare to maintain coverage, or can you keep your current plan?
Third, if you have a primary care physician, specialist, or preferred hospital or clinic that you’d like to continue seeing, it’s essential to ensure that they are listed in the provider network of any plan you’re considering. You don’t want to enroll in a plan only to find out that your doctor or specialist doesn’t accept it.
Fourth, if you take prescription drugs or have a preferred pharmacy, you’ll need to make sure that your plan’s formulary includes the medications you need. It’s also important to consider if the costs associated with your medications are affordable and if you qualify for any special help programs.
Fifth, you may want to consider if you need added coverage for vision or dental care. While Original Medicare doesn’t cover these services, some Medicare Advantage or Supplement plans may offer them as added benefits.
Lastly, it’s crucial to consider the costs associated with your plan, including premiums, co-pays, and deductibles. Will these costs be affordable for you, and do you qualify for any additional help programs like Medicaid or Medicare Savings?
Navigating Medicare can seem intimidating, but you don’t have to do it alone. Our team is here to help you gather information from a variety of sources and ensure that you’re making the best choice for your health and well-being. As you prepare to embark on this new journey, remember that we’re here to help guide you every step of the way.
