No company can be the best because the best means different things to different people.
To compare Medicare Advantage Plans make a chart of the following and compare several companies>
Hospital co-pays, doctor co-pays, maximum out of pocket limit, monthly premium, check if your doctors are in network, check to see if your hospitals are in network, compare the surcharge if you go out of network, compare if the plans are HMO or PPO networks, etc.
Only you can decide the plan that is right for you. But an independent agent who specializes with Medicare Insurance can definitely help you sort out the facts.
As the saying goes, hindsight is 20/20. If we knew exactly what your health issues would be for the year, we could select the best plan for you. However, none of us know what we will need so we have to analyze the plans based on what we have used in the past and looking at the worst case scenario.
The best plan is one that is affordable and covers everything that is important to you. Here are some things that we review with a client to design a plan that is based on them:
1. Do all of your current doctors and hospitals need to participate in the plan?
2. Are there out of network benefits?
3. How much can you afford for each of the following: premium, deductible, co-insurance, co-pay, penalties, total out of pocket?
4. Does your plan include prescriptions?
5. Which plans cover the prescriptions you are currently taking?
Signing up for a plan is easy. Understanding what you bought may not be. Your cost is the same whether you go through a local agent or direct to a company. Agents have to recertify every year to offer this product. I suggest you find someone local that can help you analyze and understand your options so that you are comfortable and happy with your final decision.
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To compare Medicare Advantage Plans make a chart of the following and compare several companies>
Hospital co-pays, doctor co-pays, maximum out of pocket limit, monthly premium, check if your doctors are in network, check to see if your hospitals are in network, compare the surcharge if you go out of network, compare if the plans are HMO or PPO networks, etc.
Only you can decide the plan that is right for you. But an independent agent who specializes with Medicare Insurance can definitely help you sort out the facts.
The best plan is one that is affordable and covers everything that is important to you. Here are some things that we review with a client to design a plan that is based on them:
1. Do all of your current doctors and hospitals need to participate in the plan?
2. Are there out of network benefits?
3. How much can you afford for each of the following: premium, deductible, co-insurance, co-pay, penalties, total out of pocket?
4. Does your plan include prescriptions?
5. Which plans cover the prescriptions you are currently taking?
Signing up for a plan is easy. Understanding what you bought may not be. Your cost is the same whether you go through a local agent or direct to a company. Agents have to recertify every year to offer this product. I suggest you find someone local that can help you analyze and understand your options so that you are comfortable and happy with your final decision.