What's one piece of advice you wish every senior knew before picking a Medicare plan?

Question

Alyssa Gonzales · Accepted Answer

I wish every senior knew that the 'best' Medicare plan isn’t the same for everyone...it’s the one that fits your specific needs and budget. 

Too many people pick a plan based on what their neighbor has or just go with the cheapest option, only to find out later that their doctor isn’t covered or their medications cost way more than expected. 

Take the time to compare your options, ask questions, and make sure you’re choosing a plan that actually works for you. And if you're feeling overwhelmed, talk to an expert, because guessing your way through Medicare can be an expensive mistake!

Larry Dalton · Answer

Testing your agent and where they received their knowledge and training—understanding the two different directions a Medicare customer must choose, and knowing that it is sometimes impossible to turn back after going down that path. Why? The future of your health is unpredictable, so it is wise to plan ahead.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Lt Col Tim Brown · Answer

That they need to have their medicare card in most cases when seeing an agent. 

Tim Brown
615-506-9024 
www.medicare4all.com

William Lawler · Answer

It is very important to list your medications and review each health plan for your drug costs. Drug costs can vary greatly depending on the health plan you choose. Also, make sure your doctor accepts the health plan you are considering.

Answered by William Lawler on March 26, 2025

Broker Licensed in MO, FL, IA & 12 other states

Answered by William Lawler Medicare Insurance Agent

Tony Capraro III · Answer

Get all the facts- not the hype! Get a Seasoned Professional to go over ALL the options--not just Medicare Advantage but also Medicare Supplement and Part D prescription plans! Once you know the Pros and Cons of each plan -YOU make the decision that's best for you! Let us HELP!

Answered by Tony Capraro III on April 15, 2025

Agent Licensed in NH & ME

Answered by Tony Capraro III Medicare Insurance Agent

Terri Reagin · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/whats-one-piece-of-advice-you-wish-every-senior-knew-before-picking-a-medicare-plan#terri-reagin

Charise Karjala · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/whats-one-piece-of-advice-you-wish-every-senior-knew-before-picking-a-medicare-plan#charise-karjala

Brian Moore · Answer

Throughout my career advising seniors, I’ve noticed many overestimate their grasp of Medicare Advantage versus supplement plans. The key difference lies in a fixed versus variable cost structure, so I provide a detailed, numbers-driven consultation to project outcomes, ensuring they make an informed choice both financially and in understanding benefit distinctions. This approach gives them clarity on both costs and benefits coverage.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Melonie Wood · Answer

PLEASE MEET WITH A LICENSED AGENT who is able to write several carriers, not just have an appointment with ONE Medicare Carrier. This way the agent can discuss the pro's & con's of the plans & help the member make the best choice for them

Answered by Melonie Wood on April 2, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

Attention Medicare Beneficiaries.
The difference between the Welcome to Medicare visit and the Annual Wellness visit

While both visits are important and serve a similar purpose, it is important to remember the differences between the Welcome to Medicare visit and the Annual Wellness visit.
 
What is the Welcome to Medicare visit? 
The Welcome to Medicare visit is a one-time preventive visit that occurs within the first 12 months of the Insured’s first enrollment in Medicare Part B. This is considered a once per lifetime benefit, meaning a member is only eligible when they sign up for Medicare for the first time. This visit is covered by Original Medicare as well as possibly a Medicare Advantage plan, the Insured would need to check with their Insurance Company to see if it is covered, when performed by the Insured’s primary care provider. This visit typically consists of a review of the patient’s medical and social history, an examination of the body like height, weight, BMI, blood pressure and other routine measurements, education and counseling about preventive services and more. 
https://lnkd.in/gGyBcqyE
 
What is the Annual Wellness visit? 
The Annual Wellness visit is a yearly preventive visit which is covered once per calendar year. The Annual Wellness visit is covered by Original Medicare as well as possibly some Medicare Advantage plans when performed by the Insured’s primary care provider. This visit allows the physician and patient to develop or update a personalized prevention plan. The Insured would need to check with their Insurance Company to see if covered.
This typically consists of a review of the patient’s Health Risk Assessment, an update of the patient’s medical and family history, and more. If the Insured has had Medicare Part B for at least 12 months, they do not need to have their Welcome to Medicare visit before getting the Annual Wellness Visit.

Mark Maliwauki · Answer

You can sign up for Medicare 3 months before your birth month.

I encourage my clients to sign up for both Part A & Part B to avoid future penalties for enrolling late.

Clarence &quot;Mark&quot; Christiansen · Answer

My best advice to every senior trying to understand Medicare is they should consult an independent agent who has access to all major health plans in their zip code. There is no cost or obligation to meet with most of us! So you have much to gain and nothing to lose by taking the advice of an expert. I like the DIY / youtube approach many times but not when it comes to Medicare.

Answered by Clarence "Mark" Christiansen on March 27, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Christopher Boyd · Answer

Over 90% of seniors I have met over the past 13 years, wrongly assume Medicare will financially cover their long term care needs. Thankfully, we offer protection for those needs as seniors become more frail and require care their families are often unable to adequately provide. 
Additionally, for those seniors who do not receive federal, state, or VA assistance with their healthcare, Medicare Advantage plans come sometimes become difficult to navigate. Especially relating to network and pharmacy network pricing guidelines. I stand ready to assist anyone with Medicare or retirement planning challenges.

Steven Graves · Answer

Don’t just choose the cheapest plan—choose the plan that fits your actual healthcare needs."

It’s common to focus on low monthly premiums, but the true cost of a Medicare plan includes copays, coinsurance, prescription drug costs, and provider access. A plan that looks affordable up front could end up costing much more in the long run if it doesn’t cover your doctors, medications, or expected treatments.

Here’s a better approach:

Review your current health needs—do you see specialists, take brand-name medications, or expect surgeries?

Check provider networks—make sure your doctors and preferred hospitals are covered.

Look at your total out-of-pocket costs, not just premiums.

Think ahead—choose a plan that can grow with you, not just meet your needs today.

The right plan isn’t always the cheapest—it’s the one that offers the most value for you.

Steven Graves
Medicare4USA.com
214-989-7900

Christy Jones · Answer

They need to know ALL of their Medicare plan options and what each plan covers as
well as the costs.  A Broker should have experience with both and examples to share to help the Client make an informed decision as to what they feel is best for them.

Michael Denniston · Answer

Make sure you know all your enrollment periods and use them to your advantage. Making the wrong selection when picking a Medicare plan can cost you a lot of money in the long run.

Joseph Bachmeier · Answer

I would like seniors to ask information on the differences between Original Medicare and Medicare Advantage. I would like seniors to know how important long-term care and short-term insurance are.

James Carlson · Answer

Health care is and will be expensive.  Be prepared and purchase the best plan that is affordable and makes having care and treatment easy.

Dutch VanHoesen · Answer

There is an overwhelming amount of disinformation or misinformation regarding Medicare. Make sure you deal with a broker who has most if not all of the plans available in your area.

Jennifer McDonnell · Answer

I wish all my prospects had 20 years experience. Too many are 'twisted' by agents and friends into believing somethign is better than something else when the person giving the advise either does not have the expertise to make the recommendation, or in the case of an agent, has a self centered motive to make a sale.

Answered by Jennifer McDonnell on May 26, 2025

Broker Licensed in MI, AZ, CA & 10 other states

Answered by Jennifer McDonnell Medicare Insurance Agent

Amy Putrino · Answer

Please don't believe everything you hear.  There is so much out there meant to scare you.
*You will have a penalty for the rest of your life!
*If you choose the "wrong plan" you can never correct this mistake!
*Someone you know has the "best plan" and you want what they have!
*Don't sign up with someone who solicits you by phone, if you didn't request their help.  They are  
  breaking the law, if they solicted you, without your permission. 
 
People give you well intended advice that isn't always factual.  Not all plans are created equal.  Your personal needs, providers, medications and lifestyle should tell me all we need to know about choosing the plan that is right for you.

Charles Fletcher · Answer

One piece of advice I wish every senior knew before picking a plan is not to choose it based on the monthly premium. Look closely at total annual costs and whether your prescriptions, doctors and hospitals are covered.

Many people look at Medicare Advantage plans with a $0 premium, but in the long run for serious issues they can come with a higher out of pocket costs later. This remains true especially if you need specialists, travel frequently or have chronic conditions.

Always check for maximum out of pocket limits to avoid unexpected expenses and make sure to always check the formulary for medications and network for your preferred providers.

Joseph Meyers · Answer

One of the most important things a senior could know before choosing a Medicare Plan is that they are making a decision for their health insurance for the rest of their lives. For example, in Michigan only during your initial enrollment period do you get guaranteed acceptance into a medigap plan. You are getting health insurance not extra grocery $$

Answered by Joseph Meyers on March 25, 2025

Broker Licensed in MI & TN

Answered by Joseph Meyers Medicare Insurance Agent

Bill Green · Answer

One piece of advice I wish every senior knew before picking a plan is not to choose it based on the monthly premium. Look closely at total annual costs and whether your prescriptions, doctors and hospitals are covered.

Many people look at Medicare Advantage plans with a $0 premium, but in the long run for serious issues they can come with a higher out of pocket costs later. This remains true especially if you need specialists, travel frequently or have chronic conditions.

Always check for maximum out of pocket limits to avoid unexpected expenses and make sure to always check the formulary for medications and network for your preferred providers.

Answered by Janet Cruz on June 4, 2025

Broker Licensed in FL

Answered by Janet Cruz Medicare Insurance Agent

Eli Roque · Answer

MAKE SURE TO LOOK AT STAR RATING AND SEE THE DOCTOR NETWORK AND THE FORMULARY .MAKE SURE TO TAKEM TO A BROKER AFTER RESEACHING TO REINFORCE YOUR FINDINGS .IT WILL SAFE YOU ALOT OF SLEEPLESS NIGHTS.

Mark Cunningham · Answer

Seniors that are turning 65 need to be aware they should apply for Medicare 3 months before their 65th birthday. If they are still working, and have credible insurance coverage, they should only sign up for Medicare Part A. Part A does not have a monthly premium and this way they will not incur any enrollment penalties, for Part A, in the future. Once they are ready to retire they can add Part B to their Medicare card, which does have a monthly premium. Currently Part B, for 2025, is $185 per month and could be more depending on the earnings of the person applying for Part B.

Answered by Mark Cunningham on March 19, 2025

Agent Licensed in CO, FL, GA, NE & WY

Answered by Mark Cunningham Medicare Insurance Agent

Deborah Lee · Answer

Every individual is different, and working with an Advisor who can then guide you through the Medicare Maze.  Having someone who is familiar with your needs.

Randall Taylor · Answer

Only make a decision after you have consulted with a Medicare Specialist. Medicare is a bit tricky and is always evolving. A good Medicare Specialist will make Medicare easy to understand and show you the 'good, bad, and ugly' of Medicare and the plans available, so that you can make a wise decision.

Answered by Randall Taylor on July 14, 2025

Broker Licensed in TX, MI & WI

Answered by Randall Taylor Medicare Insurance Agent

Michael Ryan · Answer

Work with an Advisor that can research all available plans available to you. One that will prioritize your doctors and prescription not insurance companies.

Tyler Coleman · Answer

Make sure the plan you choose covers ALL of your doctors, medications, and the pharmacy that you use. I've seen where Medicare beneficiaries will enroll in a plan without checking any of the items I listed and not be able to use their doctors.

Answered by Tyler Coleman on August 6, 2025

Broker Licensed in AL, AZ, CA & 10 other states

Answered by Tyler Coleman Medicare Insurance Agent

Thomas Ashton · Answer

Beware of telemarketers calling you. It is illegal for a telemarketer to contact you without your approval. I have had many clients get their plans messed up throughout the years. If you have an agent you trust rely on them, If not contact, I will take very good care of you.

Answered by Thomas Ashton on March 29, 2025

Broker Licensed in FL, AL, AZ & 6 other states

Answered by Thomas Ashton Medicare Insurance Agent

Joseph Ritter · Answer

Don’t just pick the plan with the lowest monthly premium — pick the one that gives you the best value for your specific health needs.

Too many people get lured in by $0 plans, not realizing they might pay more later in co-pays, prescriptions, or out-of-network surprises. It’s not one-size-fits-all — your doctors, prescriptions, travel habits, and financial situation all matter. Sit down with someone you trust who can break it down for you. It could save you thousands in the long run.”

Vincent Esposito · Answer

Don't allow yourself to be dictated.. Agents know that in most cases your not familar medicare arena. . talk to someone that gives you options and do what your gut tells you. Everyone has different needs.. hence different medicare options

Answered by Vincent Esposito on March 26, 2025

Broker Licensed in NY, FL & NJ

Answered by Vincent Esposito Medicare Insurance Agent

Alicia Hoilman · Answer

I wish that people would not allow the media to scare them into thinking once on Medicare, their healthcare won't cover the things they need. Medicare along with a Med Sup and prescription drug plan or a Medicare Advantage plan often give people better coverage than they had before going on Medicare. Find a Broker and get the facts instead of trusting everything the media shouts out.

Answered by Alicia Hoilman on June 11, 2025

Broker Licensed in VA, DE, FL & MD

Answered by Alicia Hoilman Medicare Insurance Agent

Sandra Teel · Answer

It's okay that you don't understand. Medicare is complicated. There are so many options, and every state and county are different So what works for your friend in another state or county may not work for you. Don't just talk to your financial advisor or call one insurance company that can only tell you about their plan. Talk to a professional Medicare Broker who can tell you about all your options.

Answered by Sandra Teel on March 25, 2025

Broker Licensed in WV, AZ, CA & 13 other states

Answered by Sandra Teel Medicare Insurance Agent

Justin Call · Answer

Make sure you understand Part B penalties, Part D penalties, HSA penalties, and decisions that will be permanent.  If you don't know what any of those are, then call me please!

Tom Rogala · Answer

You only have one shot a guaranteed issue into medigap.  If you want to move from advantage to gap down the road you have to answer health questions

Patrick Hecht · Answer

I wish every senior knew that the "right" Medicare plan isn't the same for everyone. Rather, it's the one that fits your health needs, doctors, medications, and budget. Too often, people choose only on a low premium or a friend's recommendation without realizing that networks, drug coverage, and out-of-pocket costs vary widely. Medicare is not a one-size-fits-all, and a plan that saves someone else money could cost you more in the long run. That's why working with a knowledgeable, independent agent is so valuable. We take time to personalize the options so you don't end up with costly surprises.

Answered by Patrick Hecht on May 20, 2025

Broker Licensed in VA, CA, MD, PA & WV

Answered by Patrick Hecht Medicare Insurance Agent

Rodney Powell · Answer

Make choices with your future self in mind.  Don’t just look for the best deal at 65 — think about what you’ll need at 75.

We're not always trying to solve a math problem.  It can be more about autonomy over your healthcare when it matters most.

Shane Bullock · Answer

You don't have to do this by yourself! I've seen too many people make mistakes when they try to plan their Medicare coverage alone. Unfortunately, some mistakes can be for life. 

Original Medicare and Medicare insurance plans change every year and we agents/brokers dedicate many hours keeping up to date, so you don't have to. Without a doubt, working with a competent agent/broker will save you time and money. The best part is that it doesn't cost you any more to work with us. Do yourself a favor and get a competent agent working for you!

Jon Kelderman · Answer

Consult with a local broker who has a great reputation. Make sure the broker has access to a large number of both Medicare Advantage and Medicare Supplement plans in your area.

Kim Kirsch · Answer

Every senior needs to know that they are in charge of picking their plan. No broker or agent should force, guilt trip, and guide a beneficiary toward any product or set of products. Our job is to educate and present the options. The senior chooses their plan.

Answered by Kim Kirsch on May 1, 2025

Broker Licensed in FL, AK, AL & 46 other states

Answered by Kim Kirsch Medicare Insurance Agent

Sarah Rollins · Answer

Work with a broker! We don't charge you, and we have access to lots of plans! Picking the right plan for you involves taking lots of things into consideration. What's good for your neighbor or your housecleaner or your sister's best friend's cousin may not be the right plan for you at all. Read online reviews and ask for referrals for a good broker, one that not only helps you enroll, but also is committed to being your ongoing advocate.

Answered by Sarah Rollins on June 12, 2025

Broker Licensed in CO, AZ, CA, ME, SC & TN

Answered by Sarah Rollins Medicare Insurance Agent

Michelle Sparks · Answer

Seniors! You should begin planning and getting educated on Medicare six months in advance of your 65th birthday. All seniors need to understand the difference between Medicare Advantage Plans and Medicare Supplement plans. Getting educated about Original Medicare (Part A, B and D), Medicare Advantage Plans (Part C) and Medicare Supplements will ensure each senior makes the best decision for them- this is a very individual decision that is dependent on the area you live in, and your financial and physical health. Additionally, all seniors need to know that they need to be eligible and enrolled in Original Medicare Part A and B in order to enroll in a Medicare Advantage or Medicare Supplement Plan. This needs to be completed timely through the Social Security Administration to avoid penalties on premiums or a gap in coverage. This is something that several seniors I work with are not aware of, since a growing number of seniors are working beyond their 65th birthday. Seniors working beyond 65 are generally covered by an Employer Group Health Plan and may not understand how their EGHP interacts with Medicare once they reach 65, when to enroll in Original Medicare, or what documentation to show to avoid unnecessary penalties on premiums.

Answered by Michelle Sparks on March 25, 2025

Broker Licensed in KS, MO & TX

Answered by Michelle Sparks Medicare Insurance Agent

Mackenzie Anderson · Answer

One piece of advice I wish every senior knew before picking a plan is not to choose it based on the monthly premium. Look closely at total annual costs and whether your prescriptions, doctors and hospitals are covered.

Many people look at Medicare Advantage plans with a $0 premium, but in the long run for serious issues they can come with a higher out of pocket costs later. This remains true especially if you need specialists, travel frequently or have chronic conditions.

Always check for maximum out of pocket limits to avoid unexpected expenses and make sure to always check the formulary for medications and network for your preferred providers.

Jay Carlton · Answer

While still working and have group insurance, you can defer Part B. Make sure to talk with an agent or Medicare and ask questions.

David Moscowitz · Answer

The detailed and specific needs of the prospective members and medication costs associated with each specific plan.

Kevin McIntire · Answer

You don't have to walk through this alone. Find a local agent you can trust and lean on them for help and guidance.

Greg Milliser · Answer

It would be good if seniors truly understood the difference between Medicare Supplements and Medicare Advantage plans and were open to both. There are far too many seniors who are biased against Medicare Advantage because they have been given misinformation by their providers or other people in the health professions or even friends. Both plans serve a purpose and both plans can be equally beneficial depending on a senior's specific needs and situation.

Answered by Greg Milliser on March 25, 2025

Broker Licensed in MO, AR, IN, KS, OH & OK

Answered by Greg Milliser Medicare Insurance Agent

Adam Simon · Answer

Everyone’s Medicare “puzzle“ is as unique as their own fingerprint. A lot of well-meaning people i. your life will try to “help” by advising you to simply go with a certain plan or option because it worked for them. However, without a comprehensive analysis done on your personal situation (medications, doctors, needs, etc.) that advice could be very detrimental!

Answered by Adam Simon on March 25, 2025

Broker Licensed in MI, AZ, CA & 8 other states

Answered by Adam Simon Medicare Insurance Agent

Keaton Lewis · Answer

Don't just pick a plan for it's attractive free stuff. ALWAYS look at a plan for it's drug coverage for your prescriptions and it's network of doctors FIRST. Then you can look at the fun stuff!

Chad Cason · Answer

Currently, and in most states, it's much easier down the road to switch from a Medicare Supplement "Medigap" plan to a Medicare Advantage "Part C" plan than from a Part C plan to a Medigap plan. You have six months from your Part B start date to buy any Medigap plan and not be declined due to health. After six months, your application could be denied due to your health history. It's a lot to put in text, so call me, and we'll discuss all of it! Chad

Answered by Chad Cason on March 12, 2025

Broker Licensed in GA, AL, FL & 13 other states

Answered by Chad Cason Medicare Insurance Agent

Lauren Singer · Answer

Finding a medicare plan is like trying on a piece of clothing or a pair of jeans. The same way clothes are tailored to each person differently so is each medicare plan. Each person has different wants and needs so each plan has a different fit for each person, just like the fit of a pair of jeans!!!

Answered by Lauren Singer on March 25, 2025

Broker Licensed in SC

Answered by Lauren Singer Medicare Insurance Agent

Tonya Bell · Answer

There are many options when it comes to Medicare and many people make a decision without knowing the consequences. There are rules to follow and plans that could hurt you if you enroll and aren't informed about all the rules. We make sure you get all the knowledge to make an educated decision about which type of plan is best for you or if you need one at all.

Answered by Tonya Bell on March 25, 2025

Broker Licensed in SC, AZ, CT & 16 other states

Answered by Tonya Bell Medicare Insurance Agent

Carrie Cordial · Answer

Seniors need to speak with a broker who is contracted with multiple carriers and can assist with Supplements and Medicare Advantage plans. There are many agents that only promote one or the other. They need to ask the agent if they are a broker and if they can help with both supplemental insurance and Medicare prescription drug plans.

Answered by Carrie Cordial on June 28, 2025

Broker Licensed in KY, AL, AR & 29 other states

Answered by Carrie Cordial Medicare Insurance Agent

Roger Werking · Answer

Take your time are look at several plans before you invest your money. There are several different plans to choose from. Make sure the plan meets all you needs.

Katherine Griffin · Answer

I like to educate on the main differences between Medicare supplements and Medicare advantage plans. Such as networks, prior authorizations, and costs. Each person’s preferences and situation determines which plan is the best fit for them.

Answered by Katherine Griffin on March 21, 2025

Broker Licensed in AZ

Answered by Katherine Griffin Medicare Insurance Agent

Roberta Thoma · Answer

Make sure part A and Part B are current.
Have a list of doctors, medicines, hospitals.  Exact spelling, dosage, frequency.

John Morales · Answer

Please make sure that your doctor and your meds are covered at the lowest cost. Also, make sure that the plan fits your needs and not anyone else.

Steven Bleicher · Answer

THE most obvious knowledge as a newbie to Medicare is that the most expensive plan isn't necessarily your best choice. It has a lot to do with your potential health issues, how well you get along with your Primary Care physician (does she/he give you the bum's rush), the drugs that have been prescribed, as well as how your finances are at the time you apply for Medicare. Steve

Answered by Steven Bleicher on March 25, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Diana Garner · Answer

First, I wish every Medicare Beneficiary knew that there are people willing to sit down with them and explain all of their options, go over the plans available in their area, and help them find the right plan to fit their needs.

Working with someone over the phone doesn't always get you the best results.  Working with someone who only represents one company doesn't always provide you with the best coverage to fit your needs.  Medicare plans available are not a one size fits all, meaning, what may be good for your neighbor, friend, or spouse -- may not be right for you.

Steve Houchens · Answer

Just to make sure to be educated on all your options from a licensed agent or broker and not ask for advice from places such as Facebook or social media where you are getting advice from people that are not educated and know the rules and regulations and many times just repeating things they have heard from others

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Barbara Barnes, CMIP® · Answer

I would prefer that every senior know the basic nuts and bolts of how Medicare plans work before they even look at a premium or plan design option. I instructed my clients to understand and choose between original Medicare and Medicare advantage style plans before we ever talk about a specific plan option.

Answered by Barbara Barnes, CMIP® on July 8, 2025

Agent Licensed in PA

Answered by Barbara Barnes, CMIP® Medicare Insurance Agent

Gregg Matheny · Answer

One thing that I wish every senior knew before picking a Medicare plan is the basic differences between a Medicare supplement and a Medicare advantage. I also wish that every senior understood the ramifications of selecting a Medicare advantage plan when you were first eligible for Medicare and how difficult the underwriting process can be to get on a Medicare Supplement plan when you are subject to underwriting.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Yasmery Vargas · Answer

Have a list of doctors, medications, and durable medical equipment you use or need for daily living. Make it a point when you sit down with your agent, this list you made needs to be in network with your coverage. Don't settle for less.

Answered by Yasmery Vargas on April 29, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent

Leslie Helene Sussman · Answer

DO NOT call the ads you see on TV.    These are call centers looking to switch your plan that may not be the best option for your Medical and Prescription needs.
 
When the ads say FREE food cards or other FREE benefits, Please call a local broker and find out the specifics in your area.   

Plans that advertise FREE food cards are plans for DUAL eligibles Medicare/Medicaid clients.   Qualifying through the state programs for these plans are a requirement.

Mary Salmon · Answer

The most important thing to check before enrolling in a Medicare Advantage or Prescription Drug Plan is to check all of your prescriptions against the plans formulary. Covered prescriptions vary from plan to plan. Prescription copays and deductibles can also vary from plan to plan. What may seem like an inexpensive plan may end up costing more over the course of a year because of higher prescription drug costs overall.

Answered by Mary Salmon on June 26, 2025

Broker Licensed in TX & OK

Answered by Mary Salmon Medicare Insurance Agent

Diana Salisbury · Answer

That Medicare isn't free.  It costs a premium each month and that there are government rules each person turning 65 needs to know to avoid penalties.

Joseph Peck · Answer

That its best to see and hear ALL your options before you make the best decision for you. Medicare is different for each person.

Shelly Hefley · Answer

Know all of your options and why the agent is steering you to a particular type of plan. Each person should understand the differences between supplements and advantage plans. They need to understand how their individual health should definitely be taken into account when choosing between supplement and advantage plans.

Answered by Shelly Hefley on March 26, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

Sean Davis · Answer

One piece of advice I wish every senior knew before picking a plan is not to choose it based on the monthly premium. Look closely at total annual costs and whether your prescriptions, doctors and hospitals are covered.

Many people look at Medicare Advantage plans with a $0 premium, but in the long run for serious issues they can come with a higher out of pocket costs later. This remains true especially if you need specialists, travel frequently or have chronic conditions.

Always check for maximum out of pocket limits to avoid unexpected expenses and make sure to always check the formulary for medications and network for your preferred providers.

Thomas Magnus · Answer

Do not rely on TV advertising. Use your network. Word of mouth cannot be beat as it will guide you to those with a proven and trustworthy track record.

Becki Jennings · Answer

Choosing your health plan is a personal decision. Cost, prescriptions, doctors and budget are different for everyone.

Alan &quot;AL&quot; Minthorn · Answer

My best advice would be talk to your fellow senior neighbors and identify a good local agent/broker representing most or all available insurance companies. Call centers and carrier agents are often hundreds of miles away and do not understand local providers, nor hear issues customers have with one plan over another in your backyard.

Answered by Alan "AL" Minthorn on March 25, 2025

Broker Licensed in ME, FL, GA, NC & NH

Answered by Alan "AL" Minthorn Medicare Insurance Agent

Tammie Rutledge · Answer

I wish every Senior knew that there are knowledgeable professionals who are trained in Medicare. We are here to help at NO COST to the client. Work with a Broker who is able to shop plans for you. Each person may have unique needs and one plan or Company never fits all.

Answered by Tammie Rutledge on March 25, 2025

Broker Licensed in WA, AZ, FL & ID, MT, OR & TX

Answered by Tammie Rutledge Medicare Insurance Agent

Heidi Delaney · Answer

Check every doctor you see or want to see, check every medication you are on, and take the time to understand your benefits, including the ones you do not think you will use.

Comfort Olude · Answer

Please take a moment to reflect on your health needs. Do you visit your doctor frequently? Are you on any medications? By understanding what you need, you can pick the right plan. For instance, if you find yourself at the doctor's office more than you'd like, a plan with lower co-pay might be your best option.

Answered by Comfort Olude on March 25, 2025

Broker Licensed in CA, FL, GA & 9 other states

Answered by Comfort Olude Medicare Insurance Agent

Janet Cruz · Answer

One piece of advice I wish every senior knew before picking a plan is not to choose it based on the monthly premium. Look closely at total annual costs and whether your prescriptions, doctors and hospitals are covered. 

Many people look at Medicare Advantage plans with a $0 premium, but in the long run for serious issues they can come with a higher out of pocket costs later. This remains true especially if you need specialists, travel frequently or have chronic conditions. 

Always check for maximum out of pocket limits to avoid unexpected expenses and make sure to always check the formulary for medications and network for your preferred providers.

Doris Youngman · Answer

Don't listen to commercials on TV. Most of them are untrue or trick you into a plan you neither need or want. Listen to neighbors and friends and take it under advisement.

Find an honest agent to help guide you. Ask you questions to narrow down your search.

Maurice Ellis · Answer

Take your time and review everything thoroughly. I dont want anyone to miss out benefits they don’t know about.

Christopher Orr · Answer

That they can get any plan choice at initial eligibilty but afterwards in lot cases must qualify. And there are penalties in delaying choice

Eduardo Camacho · Answer

To consider. what they value the most,  freedom to  be able to see any provider or   being  under an all inclusive plan with all services provided under one roof but with restrictions and limitations

Ryan Raphael · Answer

To make sure they talk with an expert that knows the plans in their area and is thorough looking up any meds and doctors.

Frank Woerner · Answer

It is advisable for those new to Medicare, to seek the services of a Medicare insurance broker. They can ask the proper questions to help zero in on a plan that best fits your needs. Plus compare plans among several good companies, giving you choice. Service come with no cost.

Craig Kirscht · Answer

Don't just choose the plan with the most extra benefits—make sure your doctors, hospitals, and prescriptions are actually covered. That is more important than the over the counter or other  benefit that's all bright and shiny. 

Many seniors learn the hard way that a plan with extra benefits isn't always better if it doesn’t include their preferred providers or if prescription costs end up being much higher. A little homework upfront can save a lot of stress (and money) later.

Jeremy Henry · Answer

To ensure that their doctors and RX's are in network and covered on the plan they are choosing. This is extremely important, especially if you have a good relationship with your doctor.

Aaron Lewis · Answer

When picking a Medicare plan it is very important to know what your out of pocket cost will be. It is very important to know the differences between a Medicare Supplement plan and a Medicare Advantage plan and your out of pocket cost.

Sandra Kerley · Answer

Make sure you speak with an agent that represents multiple carriers in your area. Every carrier has great options, but not every carrier can meet your specific wants and needs. Have a list ready to go with all your doctors, medicines, and medical wants and needs.

Sergio Valenzuela · Answer

Make sure the plan you picked has coverage for all your doctors and medicines, plans varies from networks and formularies. Also very important to pick a plan from value perspective rather than just benefits/copays.

Jon Maves · Answer

Every person 's needs are different when it comes to Medicare plans!  There are so many factors that go into making the right decision.  It is important to find an agent who doesn't just tells you what you need to know but asks you good questions so that you figure out what the best fit is for you.

Frank Adkisson · Answer

To not try to do everything by themselves.  There's nothing wrong with trying to be informed of the constantly changing landscape of Medicare but one should not try to do it alone.  And since there is nothing out of pocket in having an agent as an advocate for you, why wouldn't you select a seasoned informed agent?

Matthew Libby · Answer

A local agent will be your best source to compare the plans in your area. He or she can help you decide if a Medicare Supplement (Medigap) or a Medicare Advantage (Part C) is the right fit for you.

Stephanie Yarberough · Answer

Navigating the parts of Medicare, enrollment timelines and choosing a Medicare Insurance plan can be an overwhelming and confusing process, but it's such an important decision and can have substantial long-term consequences. My encouragement to every person approaching Medicare eligibility is to find a local independent broker that knows the medical systems and insurance plans in their area well and can offer a broad overview of many different companies and plan options within one appointment. There should be no charge to you for an insurance broker’s expertise and assistance.

Inga Roth-Kennedy · Answer

There are so many benfits, options and rules around selecting a Medicare plan.
I feel it is important for seniors to know that sitting down with an experienced and licensed agent is at no cost to them.  I can be reached at 608-576-5635 in the great state of Wisconsin!

Jake Major · Answer

Having an agent doesn't cost you a dime, in fact not having an agent help you navigate your plans may cost you a lot more than a dime!

Wayne Rigby · Answer

I would hope that most seniors realize there that in most areas of the country, there are multiple options to consider.  Don't just take the first one offered.

I would also want seniors to know that possibly the most important thing to remember is to use providers that are in network and that prescriptions being used are in the formulary of the plan they choose.

J.B. Burnett · Answer

I wish every senior knew what medicare plan their healthcare providers accepted. This would narrow down the options to help focus directly on the plans that work in concert with their provider operations.

Fred Manas · Answer

One crucial piece of advice for seniors selecting a Medicare plan is to thoroughly review the plan's formulary (list of covered medications) and ensure it includes all their regularly prescribed medications. This prevents potential coverage gaps and costly surprises down the road. 
Elaboration:
Understanding Formularies:
A formulary is a list of prescription drugs covered by a particular Medicare Part D plan (or Medicare Advantage plan with drug coverage). It's essentially a "drug list" that dictates which medications the plan will pay for. 
Importance for Seniors:
Seniors often take multiple medications for various health conditions, so it's crucial to verify that their specific medications are on the plan's formulary. 
Potential Problems:
If a medication isn't covered, seniors may have to pay the full cost of the drug, switch to an alternative, or even face difficulty accessing necessary treatment. 
Prioritizing Medication Coverage:
Seniors should prioritize finding a plan that covers their medications, even if other factors like premiums or benefits are slightly less favorable. 
Using Formulary Resources:
Medicare's website and the plan's website often provide downloadable formularies or online search tools to help seniors check for coverage. 
Seeking Assistance:
If seniors have questions about their medication coverage or need help finding a plan that meets their needs, they can consult with a Medicare counselor or a qualified insurance agent.

Vachik Chakhbazian · Answer

to look beyond just the monthly premium and carefully consider all potential out-of-pocket costs. A plan with a low monthly premium might have higher deductibles or copays, which could result in greater overall expenses if you need to use healthcare services frequently.

Gary Henderson · Answer

Be wary of Medicare advantage plans that offer you all kinds of freebies because there is no such thing as free. Everything comes at a cost and that is your max out of pocket costs which are what typically bankrupt people as they get it into an elongated illness 
Medicare supplement plans have 100% coverage so you don't have to worry about the burden of huge doctor bills

Andrew Kramer · Answer

First, find a licensed health insurance agent local to you (not from a call center) who is an independent agent, representing all the major plans in your area. Second, be sure this agent has years of experience with Medicare plans. Third, be sure this agent will meet you in person to discuss your options. Sorry, one piece of advice in 2 sentences doesn't work!

Carol Thompson · Answer

Knowing that there is more than one kind of Medicare, there is different costs and that plans can and may change from year to year.

Todd Bostic · Answer

I wish they knew to be careful about who you talk to on the phone, telephone agents are going to try to convince you that they have the best thing since sliced bread and all you have to do is take the plan.

John L Herman Jr · Answer

Knowing that a trained and Licensed Independent Broker who is certified with all Insurance Carriers in your area can guide you to the best Plan....AT ZERO COST TO YOU.  If you use a Broker they will solve the Medicare Puzzle ad give you the options that make sense for your budget, health situation and risk level you are willing to accept.

Gary Haft · Answer

To ask what are all the plans available to them and the cost of the monthly premium for each plan so they can choose an affordable plan.  There are many carriers that offer the plans and the question is really, "Which Carrier is the right one?"  The right carrier is not always the least expensive one. But the question is how long has the carrier been in the Medicare Supplemental market to know how experienced they are.

William Scott · Answer

Know what plans are available in your area or consult with an experiecned agent that's familiar with the market you live in.

David Christian · Answer

It's very important for people to understand that Medicare IS NOT the same as your commercial insurance.  It has a lot more protections for the seniors and depending on your market, higher premiums don't mean better plans like in the commercial world.  

It's also very important to understand you are your own HR department and your plan choice is a personal one.  You may even be on a different carrier and plan than your spouse or partner.

John Motsinger · Answer

Make sure your agent has explained to you the difference between Medicare supplement and Medicare advantage plans. Also, make sure your agent does a full needs analysis to help you decide what is the best plan for you. If you don't have assets to protect then a medicare supplement might not be best for you. There's no reason to go broke paying for medicare supplement premiums. However, if you do have assets and an estate to protect then a medicare supplement might be a good fit for you, especially if you have chronic health conditions. However, medicare advantage works well for a lot of people. This is where your agent will help guide you to the best plan based upon your needs.

Larry Pereiro · Answer

Be careful of all the hyped, half-truth marketing being sent your way. Find a local agent who is willing to simply educate you about what you real options are without giving his/her personal preferences. If they don't ask questions relating to your preference for coverage benefits and immediately begin to tell you their opinion, thank them for their time and find then find you a real agent dedicated to doing the right thing, doing it the right way and doing it with the right motivation.

Aisha Saleem · Answer

Be thorough about your health status. Making sure your correct health status is on file, will help you to find the plan that best fits your scenario. Also,some Medicare Advantage plans offer a prepaid debit card, called a flex card - which can be used for certain out-of-pocket expenses. If you need help with over the counter medications, dental, vision, or hearing care, groceries, utilities, or discounts on groceries or utilities you should be aware of which plans and carriers offer them.

Sonya Chandler · Answer

I would advise every senior to consider using a trusted Insurance Agent like myself.  I would tell them to not make this decision alone as it could cost them in the future.

Kris Neupauer · Answer

Do not look to do this on your own.  Get advice that gives you options and choices from as many providers you can to ensure it's based solely on your health needs and financial situation.

Rick Balistreri · Answer

Wow, great question. We always educate our clients on the difference between a supplement and an advantage plan. When you are first eligible for Medicare, you have guaranteed issue rights to get on a supplement without underwriting. If you have already been diagnosed with a medical condition, it may be your only chance to have a supplement that pays 100% of Medicare-allowed charges after you pay your Part B deductible. You can go to any doctor or facility in the United States, and you do not need referrals. You and your doctor get to decide what is best for you following Medicare guidelines.

Too often, agents only discuss Advantage plans because they are compensated with a higher commission for selling these plans. We do what is right and educate first. The decision to go on a Supplement or Advantage plan should be your choice, not the agent assisting you.

Glenn Soucek · Answer

Simply put a senior citizen should ask their agent the difference between a Medicare Gap or Supplement plan and a Medicare Advantage plans

Randy Hill · Answer

Don’t choose a plan based only on the monthly premium or how much you receive in otc benefits. Look at the total cost of care. Your health care is the priority not benefits you hear about on TV.

A low-premium plan might seem like a great deal, but it could come with high deductibles, copays, limited drug coverage, or a restricted doctor network. You might end up paying much more in the long run.

Things to consider:

Your prescriptions and how they’re covered

Your doctors, are they’re in-network

Estimated annual out-of-pocket costs (not just premiums)

Your travel needs (some Advantage plans don’t travel well)

Talk to a Medicare expert. They can help avoid costly mistakes.

Steven Rodriguez Giudicelli · Answer

Before you pick a Medicare plan, take a close look at your current healthcare needs, including your doctors, medications, and how often you typically need care, to ensure the plan you choose adequately covers what's most important to you.

Babs Atwell · Answer

Find a local agent/broker that will take the time to get to know you and your specific needs.  A good agent/broker will not be pushy.  Ask ALL the questions and if the agent/broker doesn't take the time to help you figure out your best option, then find one who will.

Christopher Stewart · Answer

The best piece of advice I can give is to research. Where I live, there are almost 100 MAPD plan options, that is a lot. Make sure you have a trusted Medicare advisor that will do a proper NEEDS analysis and help you with your research in choosing the best option. Also, read your ANOC (annual notice of change) from your carrier. They are sent out every year and they review all of the plans changes for the following year. A lot of people don't read them and they should.

Rene Apack · Answer

Have you applied for your Medicare Part B as soon as you decided to switch to Medicare?  
Many people wait until the last moment, and Medicare does not work instantly. Some individuals may not have coverage for a month or two until Medicare assigns a Medicare ID number.
Apply for Medicare ASAP when you know you're eligible.
Rene  Apack

Russell Scott · Answer

I wish every senior would ask their broker the following questions before signing up for any insurance plan:
1.  Are all of my doctors covered?  
2. Are all of my medications covered and if so, is there a deductible and what tier is each drug on?
3. What happens if I have a problem?  Can I call you?  Tell me exactly how you will help.

Steven Rukhman · Answer

Medicare is not one size fits all. Like any other financial product or investment, be strategic about it. You want to get as much benefit as possible and pay as little as possible. Working with an experienced, knowledgeable, licensed insurance broker specializing in Medicare health plans is a good start.

Angel Feliciano · Answer

One crucial piece of advice for seniors selecting a Medicare plan is to **thoroughly understand your healthcare needs and preferences before making a decision**. This involves:

1. **Assessing Current and Future Healthcare Needs**: Consider your medical history, any chronic conditions, and the likelihood of needing specialized care in the future.

2. **Evaluating Coverage Options**: Compare the benefits offered by different plans, including Medicare Advantage and Original Medicare. Look for coverage for services you regularly use, such as prescription drugs, specialists, and preventive services.

3. **Understanding Costs**: Beyond premiums, examine deductibles, copayments, and out-of-pocket maximums. Make sure you know how these costs will impact your budget.

4. **Checking Provider Networks**: If you have preferred doctors or specialists, ensure they are included in the plan’s network, especially for Medicare Advantage plans, which often have more restricted networks.

5. **Reviewing Plan Flexibility**: Consider how much flexibility you want regarding provider choice. Original Medicare offers more options, while Medicare Advantage may have limitations.

6. **Staying Informed**: Medicare plans can change annually, so it’s important to review your coverage during the Open Enrollment Period each year to ensure it still meets your needs.

By taking the time to evaluate your specific healthcare needs and understanding the details of different plans, you can make a more informed choice that aligns with your health and financial situation. At Feliciano Fiduciary Services, we're here to guide you through this process and help you find the best Medicare plan for your needs!

Gregory Gudis · Answer

Talk to an Insurance Broker to find out all of your options.  Don't go directly to one company.  Your needs are going to vary from others and you need a plan that fits those needs.

Heith Huguet · Answer

Working with me is free with no obligation to enroll. I am also an independent agent and not tied to only offering one companies products.

Kip Nussbaum · Answer

First off, and I feel MOST IMPORTANTLY from my experience from meeting with hundreds and hundreds of prospects/clients, is to work with someone LOCAL to you. DO NOT enroll in a plan over the phone. And I say that for multiple reasons:

First, many of these "agents" are captive with one company and only have an interest in enrolling you in one of their companies plans. That means they are not shopping the broader market place to find what fits you best regarding costs, coverage, etc.

Secondly, too many times these agents will ONLY tell you about all the great things their plan has to offer. They don't tell you what other things you are giving up or how much higher the copays, cost shares, and maximum out of pocket is.

You need an agent who is willing to see you every year to shop the marketplace and find a plan that fits you best in your area.

Angela Olson · Answer

This one is simple; make sure you align yourself with a good broker who has strong reviews and social proof. They will take care of you for your entire lifetime!

Danielle Moody · Answer

Take time to compare all your options—don’t assume the same plan your friend or neighbor has is right for you. Look at your current health needs, medications, preferred doctors, and budget to choose the plan that fits you best.

And remember—Medicare isn’t one-size-fits-all. Review your coverage every year during Open Enrollment because plans and personal needs can change

Soledad Ramirez · Answer

It's very important if you are retiring and delaying your Part B, you will need form L-564 filled out and signed by your employer indicating you have had CREDIBLE COVERAGE from age 65 until  you date you retire - OR Social Security WILL add a penalty to your Part B premium which is for the REST of your LIFE!

Hollie Hittner · Answer

You must check to make sure your Docs and Prescriptiona are covered at the best price.  If you don’t your locked in until the next Election period.

Ken Banks · Answer

Plans are not  one fit all type plans. All plans is based on individual needs. What may work for your friend or neighbor may not be best for you.

Anthony Scott · Answer

First meet with a Medicare broker in your local area! Also, if they do not, without you having to ask, do a needs analysis to find out what prescriptions you have, what, if any, are your favorite physicians, preferred hospitals, pharmacy… ask what most important to you in a healthcare plan… If they just want to put you into a plan without first analyzing your needs, walk away and seek out another Medicare broker!

Sean MacBean · Answer

Each of these plans is different. They may have other coverage limits, deductibles, co-pays, or costs. 

It is essential to meet face-to-face with your agent annually and let them help you pick the right plan for your healthcare needs.

Donna Slater · Answer

Call a licensed agent who will educate you on the two Medicare paths you can choose from (Original Medicare or Medicare Advantage. Then, the agent will explain your options based on your needs and budget.

Gregory Dunham · Answer

Take the time to get educated on what is available to you.  

There are a number of options and understanding what Original Medicare (Parts A and B) covers, how prescription drugs fit in (Part D), and the difference between Medicare Supplement and Medicare Advantage plans will help you make the right choice at the right time.

In the end, you should have a local advocate that can help adjust your Medicare plan(s) as your life and needs change.

Calvin Hodge · Answer

You should find somebody near you who will focus on teaching you in a simplified way. How medicare works, so you can make an informed decision for yourself. Not just tell you what their favorite plan is. And don't just have your kids help you, they don't know anything.

Jackson Cassibry · Answer

Medicare is Not a "one size fits all product" There are many options available for most Seniors and depending on several factors, I can advise you as to what I would do in the clients particular situation.

Edward Allen · Answer

It’s important to fully understand the original Medicare A&B share of cost amounts and how those benefits work

Nicole Creamer · Answer

Medicare is complex and learning new terms, understanding the differences between Medicare Supplement and Medicare Advantage plans is not easy and is okay to ask "dumb" questions, this is the only way to learn. As a Medicare plan specialist, I have 27 years of experience in the field, but I remember the enormous learning curve when I got started. Ask questions so you feel you are making an informed decision in your plan and benefits. It is your health and well-being that is important, and understanding your medical benefits is vital should you have a catastrophic health experience.

Christopher Villarreal · Answer

One piece of advice every senior should know before picking a Medicare plan:
Take the time to review all your options — not just the one someone recommends.

Plans can vary a lot in cost, coverage, and which doctors or prescriptions are included. What works for your friend might not be the best fit for you. A quick review now can save you money and headaches later.

Tina VanPhung · Answer

Seniors should have some knowledge of how Medicare works, and the difference between Medicare Advantage and Medicare Supplement plans. They should compare plans, networks, and possible annual out-of-pockets of each type of plan.

Lindsey Douglas · Answer

All Insurance companies and policies have pro's and con's. What might look like a great policy could not have the coverage you are looking for. It is important to review as many available options as possible before making a decision. A local independent agent can give you an advantage and review several different policies specific to your healthcare needs. This service is complementary and there is no-obligation to sign up for any of the plans discussed.

Richard Dorset · Answer

You need to be signed up for both Medicare Parts A and B before you can choose either a Medicare Advantage Plan with or without a drug plan, or a Medicare Supplement Plan (commonly known as Medigap) with or without a drug plan.  When choosing a plan, you need to know if the doctors you are a patient of, or may be a patient of in the future, are in plan.  You also need to know if the hospitals and other medical facilities you use, or may use in the future, are in plan.  The same applies to prescription medications you take.  You need to know if your medications are covered by a drug plan you are considering.