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Consider the "four Cs:" coverage, cost, convenience and customer service 

1 - Coverage

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.

2 - Cost

Find the right balance between out-of-pocket costs and premiums for you. Pay close attention to the cost of both 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

3 - Convenience

Select coverage from a health plan whose network includes the doctors and pharmacies you know.

4 - Customer service

If you need help, you want to make sure your insurance company will be there. To find a health plan that offers excellent customer service, look for independent reviews and discuss options with friends and family.
Live a better, more active life as you get older with Geisinger 65 Forward.

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.

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