What should I consider when choosing or changing my coverage?
Where are the doctors’ offices? What are their hours? Do the
doctors use electronic health records or prescribe electronically?
Which pharmacies can you use? Is the pharmacy you use in the
plan’s network? If it’s in the network and your plan has preferred
pharmacies, is your pharmacy preferred? (You may pay more at
non-preferred pharmacies.) Can you get your prescriptions by mail?
How much are your premiums, deductibles, and other costs? How
much do you pay for services like hospital stays or doctor visits?
Is there a yearly limit on what you pay out-of-pocket? Your costs may
vary and may be different if you don’t follow the coverage rules.
How well does the plan cover the services you need?
Doctor and hospital choice
Do your doctors and other health care providers accept the type
of coverage you have? Are the doctors you want to see accepting
new patients? Do you have to choose your hospital and health care
providers from a network? Do you need to get referrals?
Do you need to join a Medicare drug plan? Are your drugs covered
under the plan’s formulary? Are there any coverage rules that
apply to your prescriptions?
Quality of Care
Are you satisfied with your medical care? The quality of care and
services offered by plans and other health care providers can vary.
Medicare has information to help you compare how well plans and
providers work to give you the best care possible.
Will you have coverage in another state or outside the U.S.?
Your other Coverage
Do you have, or are you eligible for, other types of health or
prescription drug coverage (like from a former or current employer or union)? If so, read the materials from your insurer or
plan, or call them to find out how the coverage works with, or is
affected by, Medicare. If you have coverage through a former or
current employer or union or other source, talk to your benefits
administrator, insurer, or plan before making any changes to your
coverage. If you drop your coverage, you may not be able to get it
Where can I get my questions answered?
Call us at our offices at 909-792-3300. We will set up an appointment that is convenient for you and discuss your options.
January 1, 2015
New coverage begins if you make a change during Open Enrollment. New costs and benefit changes also begin if you keep your existing Medicare health or prescription drug coverage, and your plan makes changes.