Finding the right Medicare plan

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Coverage options aren’t just black and white. There is a lot of grey area to consider in between.

By Mike Felice, HealthMarkets Insurance Agency

Over the next few months, we’re going to be exploring the top 10 Medicare questions I get asked and unpacking them one by one. This month the question is: How do I know which Medicare coverage plan is right for me?

The best way to know if you have the right Medicare coverage is to schedule a review with me—and it won’t cost you a thing. Everyone’s situation is different, even if you have a spouse on Medicare. It’s important to consider your individual circumstances.

We’ll go over the cost for different plans, and which medications and doctors are covered. Different plans have different formularies. Co-pays will be different and deductibles will be different. One plan may be better for you because of the medications it covers. Another plan may cover your medications but have a higher deductible or co-pay. There are so many different options, and together we’ll dig in to find the best plan for you.

Even if you and a friend take the same medications, you might not be in the same plan. In Cuyahoga County alone, there are 43 Medicare Advantage plans and 26 stand-alone plans. Oh, and don’t forget about the prescription drug supplement plan that just covers medications.

Confused yet?

Coverage options aren’t just black and white. There is a lot of grey area to consider in between. My goal is to get you the most coverage for the least amount of money.

I offer a Medicare 101 program for clients to help them understand the options. Give me a call to get more information on how you can participate. And, as with all of my services, there is no charge to attend.

HealthMarkets North Olmsted is located at 28881 Lorain Rd., in North Olmsted. Hours are Monday-Friday, 9 a.m.-5 p.m. Other times by appointment. To get started with your free review, call Mike directly at 440-378-4210.

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. No cost or obligation to enroll. HMIA006945