Choosing the Right Medicare Plan

Medicare should fit your unique health and lifestyle needs. Answer each of these questions to help guide your choice.


Do you take prescription drugs?

If your answer is Yes,
You will want a Medicare plan that provides drug coverage.

You have 2 options,

Option A : A Medicare Advantage plan that includes drug coverage.
Option B: A standalone Medicare Part D Prescription Drug plan.
If you are not taking prescription drugs, Ok but be aware:
You could face a Part D late enrollment penalty if you:

  • Don’t enroll in either a Part D plan or Medicare Advantage plan with prescription drug coverage when you’re first eligible
  • Don’t have a creditable drug coverage that qualifies you for Special Enrollment Period

Do you want coverage for dental, vision and hearing?


Medicare Advantage plans offer additional health benefits like these. Non-medicare insurance products may offer coverage for this at additional costs.
If you dont want those coverage NO:
Ok, you don’t need to consider this when choosing a plan then.

Do you visit the doctor often?

If you answer is YES:

Frequent visits can get costly. With any plan, you have to pay the Part B premium. Depending on the plan, you may also have to pay the Part B deductible and other costs such as copayments or coinsurance.

If NO:

After you meet the deductible, With Original Medicare, you are responsible for 20% of the allowed amount for most services. A medicare supplement plan may help cover this cost.
With most Medicare Advantage plans, you pay a small copayment for each doctor visit.
It’s a good idea to evaluate the costs for the health services you will need under each plan you consider.

Is paying for Medicare a concern?


There are a variety of financial assistance programs available.
If No: It’s a good idea to consider your total medicare costs and look for ways to save where you can.
Feel free to contact: Health Plans in Oregon for a no cost consultation. Your local Medicare expert!



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