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Choosing the right Medicare plan for you

When it comes to selecting a Medicare plan, it’s important to consider your current and future health needs as you review your coverage options. Simply asking yourself the right questions can help ensure you pick the plan that’s best for you.
Part A (Hospital insurance)
Part B (Medical insurance)
Part C Medicare Advantage
Doctor options No restriction on doctors you can see, as long as they are within the U.S. and accept Medicare Many require in-network doctors and specialists. Others may allow you to choose any doctor, but at a higher cost.
Benefits Covers medical and hospital services Includes Original Medicare coverage, plus extra benefits like vision, dental, hearing and prescription drug coverage.
Coverage abroad In most situations, coverage does not extend outside the U.S. or its territories Some plans may cover emergency medical treatment outside the U.S.
Picking a plan that provides prescription drug coverage
It’s important to consider a plan that covers your current and future health needs together. Generally, Original Medicare doesn’t cover prescription medication, requiring you to add a separate prescription drug plan (Part D). If you’d rather have a single plan, most Medicare Advantage plans include prescription drug benefits.
Important to note: Adding prescription drug coverage at a later date may result in penalties.
When choosing any of these plans, consider:
  • What drugs does my plan cover?
  • Each Medicare drug plan has its own list of covered drugs, known as a formulary. The formulary places drugs into different prescription pricing tiers.
  • What happens if my plan doesn’t cover my medication?
  • Your doctor can request an exception to add it to the formulary. If the plan grants the exception, you’ll generally pay the highest pricing tier.
  • Can I use the pharmacies I want?
  • All Part D plans have a network of pharmacies you can use to fill your prescriptions. Some even have a list of preferred pharmacies where you can save more.

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MR266 7/2021