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Choosing the best Medicare Advantage Plan for your needs can be complicated. There are many things to consider before you decide.

When you’re choosing a Medicare Advantage Plan, ask yourself:

• How much did I spend on Healthcare last year or the year before? This may help determine your budget – how much you can afford to spend on premiums and out-of-pocket costs. Some plans do offer $0 premiums and deductibles, but others may charge a few hundred dollars.
• What prescription drugs do I take or will I need? If you take medication, you’ll need to find an Advantage Plan that includes prescription drug coverage or purchase a Part D plan. Be sure to search any plans drug lists (formulary) to confirm your medications are covered.
• What types of coverage do I need? Many Advantage plans include extra coverage such as dental, vision, and hearing. You can contact carriers to see what their plans have to offer.
• What medical conditions do I have, and what are my long-term healthcare needs? More than 40 percent of Americans have chronic health conditions. You’ll also want to consider which plan will suit your long-term medical needs the best.
• Does my healthcare provider accept Medicare or do they participate in an HMO network? If keeping your current healthcare provider is important to you, you will need to know what Medicare plans they accept or participate in.
• What is the CMS rating for the plans I’m considering? The Centers for Medicare & Medicaid Services (CMS) uses a Five-Star Rating System to measure the quality of care provided Medicare Advantage and Part D Plans. The CMS star rating measures things like management of chronic conditions, availability of care, member experience and complaints, customer service, drug pricing, and more. CMS releases its star ratings every year.

To find out more about the best Medicare Advantage Plan for your needs, contact us today or text a live agent on this number +1 (330) 443 1071.