Medicare can be extremely challenging to figure out, especially if this is your first year trying to maneuver the steps. Fortunately, there are Medicare consultants that should be able to help you to feel confident in what you need to do. If you are going to see a Medicare consultant for your first time, there are a few things that you should keep in mind so that you will be completely prepared for your appointment. Those items include but are not limited to the following:
A Complete List of Medications
Buying your medications each month can be one of the most expensive parts of health insurance. In order to make sure that all of your medications are covered, your Medicare consultant should check the drug formulary of each perspective plan, to ensure that each of your medications will be covered affordably. If you do not have all of your medications with you at the time of your appointment, you run the risk of having to pay quite a bit of money each month if one is not covered.
Names and Numbers of Physicians
Not all physicians accept every Medicare plan. If you want to make sure that you do not have to switch physicians because they do not accept your new plan, you will want to bring a list of your current physicians. You and your consultant may even need to make a few calls to ensure that they accept your new plan. If your physician does not accept the plan, it may be worth it to get a different plan so that you are not left paying for your office visits.
There are many different Medicare plans, all with different benefits, services offered, and costs. The plan you choose will ultimately depend on your health needs, though if you have a fixed income, you may need to go with a cheaper plan. If income is not an issue at all, and you have substantial health needs, you may want to choose a supplemental plan. As your Medicare consultant will inform you, supplemental plans offer quite a bit more perks, though they can also be quite expensive.
In conclusion, if you go to your appointment prepared, you will likely be able to have all of your Medicare questions answered the first time around, instead of having to return for additional help. Make sure that you ask plenty of questions sot that you know what you are signing up for, and where you stand financially. Good luck signing up for Medicare!
For more information, reach out to a local consultant, like a Senior Insurance Benefit Specialist.