Top Questions to Ask Before Choosing a Medicare Plan- Lorain Ohio

Health Insurance Amherst, OH

What Are the Costs Associated with the Plan?
- Why It Matters: It’s important to look beyond the monthly premium and understand the total costs involved, including deductibles, copayments, and your out-of-pocket maximums.
- My Insight: I help my clients break down these costs so you’re fully aware of what you’ll be paying. Together, we’ll review plans to find one that fits comfortably within your budget.
What Prescription Drug Coverage is Included?
- Why It Matters: Prescription drug coverage can vary widely between plans, so it’s crucial to ensure that your medications are covered at a cost that makes sense.
- My Insight: I’ll walk you through the formulary lists and compare Part D plans or Medicare Advantage plans with built-in drug coverage, making sure your prescriptions are covered affordably.
Does the Plan Include My Preferred Doctors and Hospitals?
- Why It Matters: Not all plans include the same network of doctors and hospitals. If you have a trusted healthcare provider, you’ll want to ensure they’re covered under your new plan.
- My Insight: I’ll help you check that your preferred doctors and hospitals are in-network, so you don’t have to switch providers unless you want to.