If you’ve started researching Medicare, you already know—it’s not one-size-fits-all. With so many plans and coverage combinations out there, how do you know what’s right for you?
Whether you’re enrolling for the first time or reviewing your coverage during the Annual Enrollment Period, asking the right questions can help you make a smart, confident decision.
1. What’s My Healthcare Budget?
Before looking at plans, take a step back and consider your overall budget.
Ask yourself:
- How much can I afford in monthly premiums?
- Do I want lower monthly costs, even if that means paying more when I visit the doctor?
- Do I want to limit my out-of-pocket spending with a cap?
Some plans have low premiums but higher copays and deductibles. Others cost more monthly but keep your visits and prescriptions more affordable.
2. Are My Doctors in the Plan’s Network?
If you have a doctor you trust, it’s important to check whether they accept the plan you’re considering.
Original Medicare lets you see nearly any doctor who accepts Medicare. Medicare Advantage plans may have a set network—you’ll save money by staying in it.
If keeping your current providers matters, this could be a deciding factor.
3. Are My Medications Covered?
Prescription drug coverage varies widely from plan to plan. Make sure to:
- Review the plan’s drug list (formulary)
- Check the tier your medications fall into
- Compare copays across different pharmacies
Choosing a plan that doesn’t cover your prescriptions—or charges too much for them—can lead to frustrating surprises.
4. Do I Want Extra Benefits?
If dental, vision, hearing, or wellness perks are important to you, Original Medicare alone won’t cut it.
Many Medicare Advantage plans offer:
- Dental cleanings and X-rays
- Eye exams and glasses
- Hearing aids
- Fitness programs like SilverSneakers
It’s worth weighing whether those added perks are worth the plan switch.
5. Do I Need Help Sorting Through My Options?
We get it—comparing plans, benefits, and costs can be exhausting. And the last thing you want is to choose the wrong plan and be stuck with it for a year.
That’s why we’re here.
At 65+ Insurance solutions, we help you:
- Understand your Medicare choices
- Compare the best options in your area
- Enroll in the plan that fits your needs—no pressure, no guesswork
Let’s Make It Simple, Together
Medicare doesn’t have to be a maze. With the right questions—and the right partner—you can find a plan that fits your life, your budget, and your goals
👉 Book your free consultation with Doreen Marino at 65+ Insurance Solutions and get the clarity you deserve.
