Medicare Advantage: How to choose a plan

When deciding which Medicare Advantage plan is best for you, consider the “four Cs”: Coverage, cost, convenience and customer service.

What to consider when choosing a plan

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.

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: 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

Convenience

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

Customer service


Y0032_17274_1 CMS Approved 10/13/17

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