So my friend told me I should just go with the cheapest Medicare plan. That sounds too simple - what am I missing?

Answered by 11 licensed agents

Medicare comes in different parts (A, B, C, and D), and your choices determine your cost. Choosing a cheap or simple plan during your initial enrollment could jeopardize your ability to choose other plans later in life that could benefit you the most regarding health coverage.

An independent health insurance agent should be able to show you the difference in these areas. If you choose this cheaper plan today, ask your agent lots of questions about your long-term goals, coverage, and premium costs five, ten, or fifteen years from now.

Answered by Larry Dalton on April 17, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Answered by Tony Capraro III on April 15, 2025

Agent Licensed in NH

Answered by Tony Capraro III Medicare Insurance Agent
All plans can be cost effective. It truly depends on your current situation. Plan cost effectiveness and suitability are based primarily on your needs and budget.

Answered by Marianne Engengro on April 21, 2025

Broker Licensed in CT & FL

Answered by Marianne Engengro Medicare Insurance Agent
The cheapest plan may or may not be your best choice. Depending on your personal needs and budget. It’s always best to look at and compare all your options and be sure you understand the differences in each plan. There is no one size fits all and it’s much better to discuss your choices with a licensed agent rather than depending on options of anyone that isn’t trained and certified to explain all options and not just select plans.

Answered by Steve Houchens on April 4, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent
Not that simple. So many things to consider, network, co-pays, maximum out of pocket. If it seems to good to be true, it probably is.

Answered by Michael Pyers on April 18, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Answered by Steve Brauer on April 21, 2025

Broker Licensed in AZ & CA

Answered by Steve Brauer Medicare Insurance Agent
Since there are more than 1 type of Medicare plan, it's in your best interest to have a full needs assessment so you are choosing the plan that fits all your needs.

You can contact me at 940-395-6572

Marcie Barnes

Licensed Benefit Advisor

Answered by Marcie Barnes on April 16, 2025

Agent Licensed in TX, AK, AL & 48 other states

Answered by Marcie Barnes Medicare Insurance Agent
It all depends whether you have chosen to go Supplement or Advantage. What’s cheap to one person is expensive to the next. Get good council and then choose according to your comfort level.

Answered by Kelly Linster on April 16, 2025

Agent Licensed in ND, AZ, CO, IA & SD

Answered by Kelly Linster Medicare Insurance Agent
Coverage. Quality of the company. Rate increase historically. Ask your Dr office which they like best

Answered by Mike Henry on April 19, 2025

Agent Licensed in TX

Answered by Mike Henry Medicare Insurance Agent
You're missing alot. Don't do that without first consulting with a Medicare Advisor(Me). Cheapest isnt always the best option.

Answered by Kerwyn Jones on April 8, 2025

Broker Licensed in FL, AL, AR & 21 other states

Answered by Kerwyn Jones Medicare Insurance Agent
Simple does not always equal successful. Every Medicare recipient has a set of doctor, hospitals, pharmacies and prescriptions that uniquely defines what plans may fit your needs. Your healthcare is too important to shrug off a decision based solely on cost.

Answered by Dan Green on April 8, 2025

Broker Licensed in NC

Answered by Dan Green Medicare Insurance Agent
Everyone's situation is different and it's best to sit with a Medicare agent to see what's the best option for you.

Answered by Sunil Bhawnani on April 9, 2025

Agent Licensed in IL

Answered by Sunil Bhawnani Medicare Insurance Agent

Tags: Advice for Seniors New To Medicare

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