Before enrolling onto a Medicare Advantage/HMO plan, check on the following:
1) Are all of your doctors in the same medical group AND do they take the group’s Medicare Advantage plans?
2) Are all of your medications covered under the Medicare Advantage plan(s) you are looking at AND are they covered most cost effectively?
3) Do you have certain medical needs – if so, what will your co-pays be under the Medicare Advantage plan(s) you are considering?
Remember, doing your homework ahead of time will give you peace of mind during the calendar year. Medicare Advantage plans can change from year to year. You will have an opportunity during Annual Enrollment (October 15-December 7) each year to see if you should stay on your current plan or change to another plan as of January 1st.