Choosing Medicare coverage is an important decision, and understanding your options before enrolling can help you avoid costly surprises. Original Medicare Part A and Part B, Medicare Advantage plans, Medicare Supplement Insurance (Medigap), and Medicare Part D prescription drug coverage work differently when it comes to premiums, provider access, prescription coverage, benefits, and out-of-pocket costs. Before choosing Medicare coverage, consider your doctors, medications, healthcare needs, budget, and how you prefer to receive your care. If you’re new to Medicare or approaching age 65, our Medicare Basics Made Simple information can help you better understand how Medicare works before comparing your options.
There is no single Medicare option that’s right for everyone, which is why comparing more than just the monthly premium is important. Review potential copays and coinsurance, prescription drug coverage, provider networks, maximum out-of-pocket limits where applicable, and additional benefits before making a decision. You can also learn more about what Medicare Part A actually covers, what Medicare Part B actually covers, and Medicare Advantage coverage to better understand your choices. Ready to review your Medicare options? Call Shields & Associates Insurance Agency at 402-545-8954 to speak with a licensed insurance agent and get help understanding Medicare coverage available to you.