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 for those services under the Medicare Advantage plan(s) you are considering?
Remember, doing your homework ahead of time will give you peace of mind regarding your selection. Medicare Advantage plans can change from year to year. You will have an opportunity during the upcoming Annual Enrollment (October 15-December 7) to see if you should stay on your current Medicare supplement/medigap or Medicare Advantage/HMO plan…. or should you consider changing to other coverage as of January 1st.