These 4 things will help you find your plan.
When it comes time to choose a Medicare Advantage plan, consider the "four Cs" — coverage, cost, convenience and customer service.
Let’s take a look at each one and learn how they can help you find your best plan:
Look for plans that limit out-of-pocket expenses. Consider the added value you’ll get with plans that offer preventive services, as well as dental or vision benefits.
Before selecting a plan, request a list of covered drugs and make sure your prescriptions are included.
Some plans also offer coverage in the Medicare Part D coverage gap, also known as the "donut hole." This means that you won’t have to pay additional out-of-pocket costs for your prescriptions after you and your drug plan have reached the annual limit for your covered drugs.
Find the right balance between out-of-pocket costs and premiums for you. Pay close attention to the cost of brand-name and generic drugs.
Become familiar with these important cost-related terms:
- Monthly premium: The amount you pay each month to cover the cost of your membership in the plan.
- Deductible: The amount you must pay for healthcare before the plan begins to pay.
- Copayment (copay): The amount you pay for each medical service, like a doctor visit.
- Coinsurance: The percentage of a charge for services you may have to pay after you pay your plan’s deductible.
Choose coverage from a health plan whose network includes the doctors and pharmacies you know.
Traveling to doctors and pharmacies that you know and that are close to home will make it more convenient to get the care you need.
4. Customer service
If you need help, it’s important that your insurance company will be there for you.
To find a health plan that offers excellent customer service, look for independent reviews and discuss options with friends and family.
Finding the right Medicare plan
If you need help finding a Medicare Advantage plan or want to learn more about Geisinger Gold, you can call our trusted Medicare advisors for help.
Geisinger Gold Medicare Advantage HMO, PPO, and HMO SNP plans are offered by Geisinger Health Plan/Geisinger Indemnity Insurance Company, health plans with a Medicare contract. Continued enrollment in Geisinger Gold depends on annual contract renewal.
Y0032_23269_1_M Accepted 10/1/23