Call 708-350-4767 to speak with a licensed insurance agent.

Call 708-350-4767 to speak with a licensed insurance agent.

3 Things to Remember When You Enroll in Medicare

Posted by Tina Konieczki, May 10, 2022

When you turn 65, and each year thereafter during the Annual Election Period and Open Enrollment, you will enroll in a Medicare plan. The first thing to know is that you have options! Yes, you can enroll in Original Medicare, but you could also choose between a wide range of Medicare Advantage plans. And because these plans vary from one another in important ways, you shouldn’t rush the decision.

As you conduct your review and shopping process, keep the following facts in mind.

You and your spouse might need different plans. It seems simpler, on the surface, to enroll both of you in the same plan. But because you each have your own individual healthcare needs; this assumption could backfire in the long run. That is especially true if you opt for a Medicare Advantage plan. Because these plans operate through a network, you need to make sure your preferred doctors and facilities are covered. It is likely that you each need your own specialists.

Check each plan’s network. With Original Medicare, you can visit any facility or provider that accepts Medicare. But because Advantage plans work within a network, investigate this coverage before choosing a plan. And then remember that doctors and even entire facilities sometimes drop out of network coverage from one year to the next.

Automatically re-enrolling in your current plan isn’t the best idea. Each year, you have the opportunity to change your Medicare plan. You might assume that because your plan worked fine for you in the previous year, allowing it to automatically renew is a great way to save time.

But Medicare plans can actually change from one year to the next. In particular, your Part D plan’s formulary (list of covered drugs) could change and leave you without coverage for an important prescription. Always review your plan’s formulary before renewing each year.

A second reason to avoid automatic renewals is that failing to shop around could mean that you miss out on a plan that suits you even better. It’s worth a bit of time to investigate all of your options, and to identify the Medicare plan that best fits your needs and budget.

Finally, you should know that guidance is available to you, free of charge! Our team of licensed agents are well versed on Medicare plans and can help you sort through your options.

Need more information on your insurance options?

Contact us online to learn more

Contact Us

Close Accessibility Tools
Accessibility Controls Reset
Content Adjustments
Font Size

Default

Line Height

Default

Content Scaling

Default

Highlight Titles
Highlight Links
Highlight Forms
Align Left
Align Center
Align Right
Focus Mode
Color Adjustments
Desaturate
Monochrome
Contrast

Default

Saturation

Default

Accessibility Statement

Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

If you wish to contact this website's owner, please use the contact form on the website.

Our User Interface Adjustment Options

Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

Content highlighting - Users can prioritize key elements such as links, forms, and titles.

Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.

Close