Comparing Your Medicare Choices
Compare coverage and costs to find the right fit for you.
It pays to do your homework when making Medicare decisions. You’ll want to explore and compare all of the choices available to you, including Original Medicare and private Medicare plans. You can review coverage choices or see examples now, if you need a refresher.
Finding Medicare Plan Information
Medicare Advantage and Medicare prescription drug plans are offered through private insurance companies. Each plan has a service area In Medicare Advantage, the area in which a plan offers service. A service area is typically a county, state or region. where it operates. You must live in a plan’s service area in order to enroll in the plan.
The plans available where you live may be very different from what’s available to a friend or relative living elsewhere. You can get a list of plans in your area at Medicare.gov. You can also call the Medicare Helpline at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, seven days a week. Or
offered in your area by UnitedHealthcare®.
The Medicare Plan Finder Worksheet can help you compare different coverage choices side by side. You can compare different Medicare plans to each other, or you can compare one plan with a combination of plans. For example, you might compare a Medicare Advantage plan with drug coverage to Original Medicare plus a Medicare prescription drug plan.
It’s important to get current plan information for comparison. Coverage and costs can change. Most companies put plan information on their web sites. Many have online tools to help you find plans that may fit your needs. You may also want to talk directly to plan representatives or a local insurance agent to get more information about the plans you’re interested in.
It can be difficult to compare costs between different plan types and plans. Each plan has its own cost-sharing terms and conditions.
You may want to estimate what your costs would be with each plan or combination of plans you’re considering. Create a scenario or take a situation from your own health care experience and compare what you would pay with each coverage choice.
Some things to consider are:
- Monthly plan premiums
- Annual deductibles
- Annual out-of-pocket maximum
- Emergency care fees
- Annual pharmacy deductible
- Prescription drug costs
What do you want to do next?