Monopoly, Trivial Pursuit, Scrabble, Checkers, or Chess? These choices are easy. Picking the right Medicare plan? That can be hard.
Do you want Original Medicare (Parts A and B)? Should you add prescription drug coverage (Part D)? What about Medigap insurance? Or is Medicare Advantage (Part C) — which combines Parts A, B, and D — better for you? Sometimes, it might feel like a roll of the dice.
Before you get lost, take a step back. You want to pick a plan right for you. So, think about what your life will look like after 65. You can start by asking some questions to figure out your next move.
Will I be on a fixed income? Original Medicare with a Supplement has a monthly premium. Medicare Advantage has copays.
Do I want to see a specific doctor? Original Medicare with a Supplement allows you to go anywhere in the United States. Medicare Advantage requires in-network doctors.
Are dental, vision, and hearing an important part of my needs? Original Medicare with a Supplement usually does not cover these things. Most Medicare Advantage plans do.
Do I plan to travel? Medicare Supplements usually cover foreign travel. Medicare Advantage covers emergency visits.
What if I don’t know what I want? I get it, it is hard to decide, especially when your needs may change as you get older. That is why it is a good idea to speak with a licensed insurance agent like me. You can make an appointment if you are about to enter the Medicare world or have questions about your situation. I would love to be your guide.
Please call Lynne Jones, licensed sales representative, at (480) 212-2246 or email me at jonesdvp@yahoo.com.