Whether groceries, health insurance, or anything else, everybody wants to get the best value for their money. And health care is no different—that’s why it’s a good idea to shop around for a plan. Cost is an important factor in any purchase, especially when it comes to health care, but it’s not the only thing to consider.
There may be dozens of Medicare plans in your area, all with different costs and levels of coverage. How much are each plan’s premiums and deductibles? How much will you pay for the benefits and services you’re likely to use? Is there a limit on what you’ll have to pay out-of-pocket for the year? If you’re currently in a plan, how does that plan stack up to the other plans that are available? Thinking about these things will help you make a smart choice to get good value that meets your own health care needs.
Prescription drug coverage is another part of the cost puzzle. How much will your prescriptions cost under each plan? Does the plan cover the drugs you take? Remember, thanks to the Affordable Care Act, everyone who reaches the Part D coverage gap (or “donut hole”) will benefit from a discount of 60% on covered brand-name drugs.
Only you can determine what mix of benefits and costs will work best with your needs and budget, but we can help. Call us today at (800) 763-8813 and we will find an agent near you to help you shop and compare plans.