Selecting the right Medicare Supplement plan for you can be quite a tricky process.
However, it does not have to be this way if you take into account a few important facts.
To fill in the gap in coverage on Medicare, most people opt for a Medicare Supplement as well as a Part D plan
This is normally done from October 15 to mid-December every year and switching from one Part D plan to another one is allowed.
The 1st Step In Choosing A Medical Supplement Plan
The first step in choosing the right Medicare Supplement plan for you is to make a list of all the drugs (and dosages) that you currently take and expect to be taking in the coming year.
Try also to estimate the medical care (visits to specialists, etc) you expect to receive the next year as this will help you to select the right plan.
Next, you will want to pay attention to any price changes of your current plan.
There may be changes to drug tiers, drug formularies and co-pays which will influence what you will be paying.
Medicare’s Plan Finder makes it easy for you to compare the costs of the various plans and their co-payments in your area.
It will also help you to estimate all the out-of-pocket expenses you may incur on your drugs.
Co-payments can be any amount and you could well end up paying a large sum of money for the medication you take, which is why a plan with a low premium is not always the best idea in certain circumstances.
Once you have consulted the Plan Finder, you should have a better idea of which plan would be most suitable for your needs.
Primary Care Doctor Visits
Before you settle on a Medicare Supplement plan, make sure that your doctor’s visits will be covered!
Very often, folks have selected a plan only to discover that their usual physicians are not included in their plan.
This is probably one of the most important factors to consider as it could affect the way you will be treated in the coming year.
To check if your doctor would be covered, you would probably need to contact your insurer or consult their website (where they often have tools for you to check which hospitals and doctors are in their network).
Alternatively, you could always contact your physician’s office to check if your plan would be covered by them.
Here’s What To Do Now
Want to skip doing all of this yourself?
Just want to be able to get your questions answered and easily decide which option is best for you?
eSupplemental has Medicare experts waiting to help you through this process.
They have the knowledge and experience to easily explain in simple terms what your options are.
This way you can make the best decision most informed decision.
Don’t let the medicare supplement process stress you out.
Click here for more information on how to contact us and find the best plan.