Which Medicare plan is right for me? White or wheat? Checkers or chess? Walk or ride? These choices are easy.
Picking the right Medicare plan? That can be hard. Do you want Original Medicare (Parts A and B)? Should you add prescription drug coverage (Part D)? What about Medigap insurance? Or is Medicare Advantage (Part C) — which combines Parts A, B,and D — better for you? Sometimes, it might feel like a roll ofthe dice! Before you get lost, take a step back. You want to pick a plan right for you. So, think about what your life will look like after 65.
You can start by asking some questions to figure out your next move.
- Will I be on a fixed income? Original Medicare with a supplement has a monthly premium, while Medicare Advantage has copays. Medicare offers several plans to choose from
- Do I want to see a specific doctor? Original Medicare with a Supplement allows you to go anywhere in the US, while Medicare Advantage requires in-network doctors.
- Is dental, vision, and hearing an important part of my needs? Original Medicare with a Supplement usually does not cover these things, but most Medicare Advantage plans do.
- Do I plan to travel? Medicare Supplements usually cover foreign travel; Medicare Advantage covers emergency visits.
What if I don’t know what I want? I get it, it is hard to decide, especially when your needs may change as you get older. That is why it is a good idea to speak with a licensed insurance agent like me. You can make an appointment if you are about to enter the Medicare world or have questions about your situation. I would love to be your guide.
Please call Lynne Jones, licensed sales representative, at (480) 212-2246 or email me at jonesdvp@yahoo.com.