2) Re-evaluate

2) Re-evaluate your plan if you have developed a serious illness or a chronic condition.

It may be best to leave your Medicare Advantage plan, return to Original Medicare, and perhaps enroll in a Medicare Supplement (Medigap) policy if your health status changes significantly.

With Original Medicare and a supplement, it is covered aarp medicare supplement login  for any doctor or hospital that participates in the Medicare program. This means that you can see any primary care physician, any specialist and receive treatment at any medical center specializing in your condition or condition.

 http://aarpmedicarelogin.bravesites.com/

3) Examine the form

The formulary is the list of drugs covered by a Medicare Advantage plan. Most Medicare Advantage plans include prescription drug coverage (Medicare Part D).

Verify that your medications are covered by the plan. The list of approved medications is constantly changing. Plans add and remove medications, and change co-payments and deductibles for these medications.

The official website of the Medicare government, medicare.gov, has a very good search tool for plans to check the form of each plan offered in your area. (It may be a bit confusing at first, call our office and we can guide you through steps 415-999-5071.)

4) Check the total cost of a plan

A cost of Medicare Advantage is not just the premium. You should know the co-payments, deductibles and coinsurance that raise your total annual cost.

When seniors begin to compare Medicare Advantage plans, they are attracted to a plan that has a small or even zero monthly premium. You need to check further. The plan search tool on Medicare.gov will also show you the estimated annual total cost of health and medications, to see how much a plan will cost you.

Again, call us at (415-999-5071) for help navigating through the Medicare plan search tool.

5) Look at the Medicare Advantage star ratings

The federal government grants ratings of plans between one and five stars.

The 5-star plans are called "excellent" by the federal government, and the four-star plans are designated "above average."

About 40% of all plans across the country have a rating of 4 stars or better. The ratings are based on various levels of performance, including the level of preventative exams, customer service, management of chronic conditions, member complaints and member experience.

In conclusion,

When choosing the correct plan, you should compare the Medicare Advantage Plans with the 5 tips listed above (and some more).

This requires a little homework, and Medicare.gov is a good place to start.

Call us to get the latest information about networks, forms and star ratings from the plans in your area. 415-999-5071 or send us a line.