Choosing Medicare insurance can be a daunting task…
There are numerous things to consider when determining the best health insurance plan including: benefits, premiums, deductibles, copays, and provider networks. We can help! We’re experts in comparing plan options and we provide free personalized health insurance counseling. Some Medicare Insurance plans have specific enrollment windows called Annual Elections Periods which limit the timeframe you have make changes to your coverage, or to enroll in a new plan. Therefore, it’s important to make the right choice, at the right time, or you’ll be stuck withstanding the consequences for the remainder of the plan year.
Hoffman Insurance & Retirement Planing will personally review the following considerations with you to determine the best coverage for your healthcare needs.
What can you afford? It’s important to consider factors like monthly premiums, annual deductible, co-payments and out-of-pocket maximums when evaluating your plan options. You should also look into options for saving and paying for health care, such as a health savings account (HSA).
Coverage and Benefits
It’s always a good idea to try to assess what medical services you and your family might need in the coming year by asking questions like the following:
- Do you or your family members manage a chronic condition, or see a specialist regularly?
- Do you anticipate needing major surgery?
- Do you or your family members take any prescriptions regularly?
- Do you need additional coverage for vision or dental care?
Preventive care, such as annual check-ups and routine screenings like mammograms and colonoscopies, can help you stay healthy. Early detection of common conditions may lower your overall medical costs. It’s important to know which services are provided by your health plan.
Some plans require you to use doctors and facilities in their network. Others let you go outside of the network for care, but may not cover the costs at the same level. It’s important to understand plan requirements when it comes to doctors, hospitals and other health care professionals.
Some plans require you to choose a primary care doctor who is responsible for managing your care and providing referrals for specialists when necessary. If a referral is required, your choices for specialty care physicians may be limited.
Some plans offer additional wellness resources like personal health records, cost calculators, health screening questionnaires and online coaching programs to help you get and stay healthy. Review plan options and take these into consideration when choosing your plan.