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!

Gary Church · Answer

One piece of advice every senior should know before picking a Medicare plan? What is your health now? What will be in the future. There are PROS and CONS to any Medicare plan. But do you want to have control over your healthcare decisions or let the insurance company make their decision on your healthcare? Pay now or consider how much you'll pay later and what options you'll have.

Answered by Gary Church on August 17, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Mike Alexander · Answer

Do a full needs assesment to be sure that you are picking the right plan at the right time. Contact a professional, avoid answering the phone from telemarketing.
Its against the law for people to call you randomly.
Be aware do your research 1st.

Steve and Sue Brauer · Answer

Hi, thanks for watching. So this question is, what's one piece of advice that I could wish for everyone before they pick a Medicare plan? So the number one, hands down, the number one thing would be to find an independent Medicare broker that you trust, because it's a big deal. I mean, these people, me included, are in charge of your healthcare. If we have a misstep, if we miss a deadline, you guys are the ones that have to pay for that. And typically, it's for the rest of your life. If you miss an enrollment date, if there's a penalty, it's typically for life. So picking an advisor is like picking someone that you're gonna have manage your money. It's an important decision. Having somebody on the phone call you and sign you up, I just really wouldn't recommend that. With us, with Sue and I, we like to meet people typically face to face, unless they live really far away. Just to get a feel, see if we're the right fit for them, because it's a big deal helping people with Medicare. It's confusing, and you can get in a lot of trouble if you miss certain deadlines and different things like that. So that's my biggest advice. Find someone that's knowledgeable, that's independent, that only does Medicare, not a hundred other things, just Medicare, and go with their advice.

Mark Bilgere · Answer

The one piece of advice seniors should know is that the price and the cost of your healthcare are not the same thing. The price of your premium is one thing to consider, but the ability to get care when you need it or the inability to get it is the cost. Does it cost a lot of time and frustration? Does it require phone calls to the carrier? Does it require your provider to battle with the carrier to get preauthorization? When making your selection, consider both the price and the cost.

Answered by Mark Bilgere on September 7, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

There is not 1 program.  Not 1 that is the right program for any one person.  Medicare supplements and Prescription drugs programs.   Cover Medicare and prescriptions.  However,  at the end of 15years or so the 85.00 supplement and a 30 dollar PDP.  Will increase and at the price will increase every year.  
Medicare Advantage plans developed in 1996 developed by Insurance companies and provide items that are needed but, not covered by Medicare.  Some of those are eye glasses, transportation, and many other items.  And they do not have a premium.  You will have co-pays for what you do.     With a max out of cost to limit your out of pocket cost.

Norman Smith · Answer

I wish people would be able to understand the Freedom of Control that Original Medicare gives you and the Control you allow another Private Provider to have over your health when you take a MA Plan. 
Also as part of that, people do not understand that MA Plans ARE NOT MEDICARE! That you opting to forfeit your Original Medicare, something they have paid into all their lives, and mostly continue to get to pay into, and yet cannot use the benefits of the Part B they are paying for.

Lt Col Tim Brown · Answer

That they need to have their Medicare card in most cases when seeing an agent. 

Tim Brown
Contact me.

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

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

Terri Reagin · Answer

The biggest piece of advice that I can give seniors going into Medicare plans is not to get too emotional about the choice. The reason I say that is because the coverages with Medicare are excellent. No matter what choice you go with, you're going to have excellent coverage for your care, in my opinion far superior to what is available under the age of 65 in our country. So don't feel like you're just going to make the wrong choice or that you're going to lose vital coverages because the coverage is very, very good. So relax and try to enjoy the process because it's actually not that bad.

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.

George Ibanez · Answer

Every senior should know the difference between a Medigap plan and a Medicare Advantage plan, and how they both operate, and the restrictions that Medicare Advantage have versus Medicare supplement plans.
If the senior wants to go to any doctor or any hospital without any restrictions, they should go with a Medicare supplement plan, and they would be able to go anywhere that they want to go without restrictions of any kind or pre-authorizations.

For more information, contact me. George

Voss Speros · Answer

Voss Speros here, Greek god of Medicare. The question today is, what's one piece of advice that you wish every senior knew before picking a Medicare plan? That's a big question. They laid that one on me, and I was like, the advice I would give is there's a few things.

So there are different kinds of Medicare agents out there in the world. There's the Medicare agent that's certified and contracted with all the carriers to offer both supplemental plans and Medicare Advantage plans. Prescription drug plans are off the board these days, except for a couple, but the dentist plans in supplemental plans. We are bound by a lot of compliance not to reach out to you.

What's a good thing to know is if an agent is calling you to sell you on the plan, they're most likely a supplemental plan. No compliance, and they can just harass you. So just keep that in mind. They can always sell. They always sell one thing: supplemental plans, no matter what. No matter what your situation is, that's what they sell. And that's what you're gonna get.

So a piece of advice is to look to see who's working with you. What plans do they offer? How many carriers can you represent? Well, I'm a broker. We're Broker Spirits Financial. We don't try to approach every carrier in town and a bunch of carriers across the country. We can offer a bunch of different things.

So another piece of advice: look to see who you're working with. There's a lot of us out there. You can pick through it. Another thing is to do your research. Advantage plans are great. You gotta see if you want to go that route, get all the doctors and drugs in the network to make sure that plan works best for you.

See what your income level is. See what your health is. Do you need glasses, dental, vision? Hearing? Do you go to the chiropractor? Some plans cover acupuncture, which is kind of cool. All those things.

On the supplemental side, if you can afford it and go that route, then do it. A piece of advice is to look at everything first. See what's gonna work best for you. Don't listen to your friends and your kids or whatever the TVs say. Really listen to it all. Take it in with a grain of salt, and then see what's gonna work best for you.

You know, maybe what works best for your neighbor isn't what's gonna work best for you. Probably not, because I imagine you are different than your neighbor. I would just say that I would like to think everyone's different, and everyone needs to take a little initiative on finding something that works best for them.

And don't jump into it and then watch out for those agents. So if you have a question, give us a call. We're here to help you find a plan that works best for you. Have a good day!

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.

Pamela Masters · Answer

I would say, get as educated as you possibly can and know what the plan you choose gives you in benefits. Also,  understand how much the plan will cost you.

Charise Karjala · Answer

This is a great question. Charise Karjala with Health Markets Insurance from my office in Palm Desert, California. The question is, what is one piece of advice you wish every senior knew before picking a Medicare plan? My answer to that is, to thine own self be true. This is a time where we need to have an objective look at what our needs are, and some of us don't have very accurate mirrors. I wish every senior, upon entering Medicare and then doing their semi-annual reviews, had an opportunity to speak to a professional who would ask them my 12 points of questions, which are very particular. I wish that every senior had a chance to sit with somebody who understood the system and could ask the pointed questions so they could know themselves, their own needs, and preferences in advance.

We have a three-tier system of Medicare, and each system is very different. What is good for this goose may not be good for this gander, which may not be good for the other one. The level and quality of care between those three different systems diverge greatly. So yes, I would say know thyself, know what you're up against, and find help to thine own self be true. Helping people will assist you in understanding what you are looking at from yourself and how to match that up with the available options. There you go.

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

Edward Smith, ChFC, CRPS, AIF · Answer

That shots and infusions done in a medical facility are covered under Medicare part B and not D. If they have an ongoing medical condition, that require expensive drugs, they should consider going on a Medicare Supplement during their IEP.

Answered by Edward Smith, ChFC, CRPS, AIF on October 27, 2025

Broker Licensed in OH, GA, IN, KY & TN

Answered by Edward Smith, ChFC, CRPS, AIF Medicare Insurance Agent

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

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

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.

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

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

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.

Nick Mangini · Answer

You should know the difference of a Medicare Supplement (Medigap) vs Advantage Plans! This is the biggest key in knowing which coverage to get! Most agents and carriers will push Advantage plans down the throats of seniors. The reason behind this is because agents get paid more money and carriers get paid from the federal government! FOLLOW THE MONEY and you will know that Advantage plans are a scam! Medicare Supplement (Medigap) plans are the best coverage you can get and you should get it at 65 so you never have to worry about your coverage. Set & forget!

Answered by Nick Mangini on March 29, 2026

Broker Licensed in FL, AL, AZ & 32 other states

Answered by Nick Mangini Medicare Insurance Agent

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

Steven Litzsinger · Answer

You have options and just a plan/option works for one person doesn't automatically mean it will work the same for the next person. 

Your plan selection and due diligences should be focused on you as a individual with your own unique needs. 

You can consult a local, trusted, licensed Medicare Agent that can assist you will evaluating all of  your options, risks, and out of pocket costs each year and it's FREE! There is no costs to you  as a Medicare Beneficiary.

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.

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, AR, FL, MO & TX

Answered by Michelle Sparks Medicare Insurance Agent

Sherry Rose · Answer

Penalties and Open Enrollment windows!

Please call our office at 706-638-003. We will be more than happy to assist!

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

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, VA, WI & WY

Answered by Mark Cunningham Medicare Insurance Agent

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.

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.

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

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.

Michael Wehner · Answer

Medicare can be quite confusing. It is important to know the differences between your options and to know the potential pros and cons of those choices. My advice is to always seek a trusted advisor or agent who understands how Medicare works and what those options are. All of our needs are different and what might be a good fit for one person, may be a bad choice for someone else.

Answered by Michael Wehner on August 26, 2025

Agent Licensed in IN, KY, NC, OH, PA & SC

Answered by Michael Wehner 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.

Charles Fletcher · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is to carefully consider their specific healthcare needs and prescription medications, not just the premium cost. Plans can vary widely in coverage for things like doctor visits, hospital stays, and drugs, so picking one that aligns with your regular care and meds can save you a lot more money and hassle down the line than just going for the cheapest option upfront.

Answered by Charles Fletcher on March 24, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Answered by Charles Fletcher Medicare Insurance Agent

Bill Green · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is that the best plan for your neighbor or spouse isn’t necessarily the best plan for you. Everyone’s health needs, prescriptions, preferred doctors, and budget are different — and Medicare plans can vary drastically in how they cover those specifics. What looks good on paper or worked well for someone else might leave you paying much more out-of-pocket or losing access to your preferred providers. Taking the time to review your medications, doctors, and expected care needs each year can make a huge difference in both cost and peace of mind.

I always tell clients that Medicare isn’t a “set it and forget it” decision. Plans change every year — premiums, drug formularies, and networks shift — so an annual review with a trusted, licensed agent ensures you’re still in the plan that truly fits your life. A little preparation before enrolling can save hundreds, even thousands, of dollars and prevent surprises later in the year.

Cody Hebden, MBA, CLU, FLMI · Answer

I always recommend someone to take a step back first, think about all the things you like and dislike about the health insurance you currently have or the coverage you last had (from employment prior to retiring, individual plan from your business, etc). This is a great starting point if you can have a list of likes/dislikes to help us set the tone for how to ensure your Medicare related coverage has most of the "likes" and little or none of those "dislikes".

Answered by Cody Hebden, MBA, CLU, FLMI on August 15, 2025

Broker Licensed in NC & SC

Answered by Cody Hebden, MBA, CLU, FLMI Medicare Insurance Agent

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, OH & TN

Answered by Joseph Meyers 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.

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.

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

Rose Cahill · Answer

You are not making a decision that you will have to live with forever. Sometimes people are plagued by analysis paralysis because they are trying to account for every possible thing that could come their way down the road.

Medicare allows you to review your plan and make changes, if needed, each year during the Annual Enrollment Period. That period runs from October 15 through December 7th. This is the time when you want to review your current plan, its changes for the coming year and your current needs. If still a good fit, you stay with your current plan. If plans and/or your needs are different, this is the time to review your options and select a plan that better meets your current situation.

Ric Santos · Answer

Everyone should go over a Medicare 101 presentation with an agent. This should be a basic part of a Medicare consultation.

Tom Kowalczyk · Answer

Medicare can be complex, and it is important not to rush into a decision. I recommend speaking with an independent broker who can educate you on the different options available, as well as the specific benefits and gaps associated with your choices.

Please take the time to stay informed and work with a trusted broker to help guide your decision-making process.

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.

David Moscowitz · Answer

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

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

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

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.”

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.

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

David Didier · Answer

Please give your best effort to understand the " good points" and " the bad points" of every plan.

With original Medicare (Part A and Part B), you have more control, to choose any doctor that accepts Medicare. (Decisions are between you and your doctor)

With Medicare Advantage plans, while they might have $0 plans to start, you pay copays and coinsurance and Maximum out of pocket cost. 

 They may cost more in the long run and (the Insurance companies have more control of health decisions, the healthcare decisions are made by the Insurance company), these plans are pay as you go.

 Just all for any help!

Charles Calvin · Answer

Medicare is not a one-size-fits-all; it’s a starting point only, and there are many options from there, with many variables to consider. Too many seniors get caught in the trap of “Oh, my friend has this plan, so it must be great”, or “Oh, my friend said this plan is awful, so it must be bad”. Everyone’s experience will be different, and for different reasons. You have to choose a plan that makes the most sense for your health needs and goals, as well as ways to minimize expenses over time. I frequently tell my clients that health care is a pay now or pay later system, there’s no third option. You’re either going to pay upfront and have little to no expense when you get to the problem, or you’re going to pay nothing upfront, and pay for the problem when you get to it. There’s no free lunch, but you can at least have some control over how much of your money gets spent. It’s not my place to tell someone that they can’t spend their life savings on medical care if that’s what they really want to do, but I can help them avoid that situation altogether.

Answered by Charles Calvin on February 27, 2026

Broker Licensed in MO, FL, IA, IL, KY & SC

Answered by Charles Calvin Medicare Insurance Agent

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

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!

Gregory Firmbach · Answer

Great Question… 
Answer: Consult an “Independent Broker”, “In Your Local Area” who represents both MediGap insurance companies and “Multiple” Medicare Advantage (MAPD) Providers (there are 17 different companies offering 82+ MA/MAPD plans in Manatee Cty, FL. 
At those discussions, perform a full analysis and comparison where you delve into your health conditions (especially chronic like diabetes, heart, lung, etc), medications, doctors and needs for services, and the ramifications and cost/savings difference between Original Medicare and an MAPD plan. Also, consider your travel and out of area requirements into any equation you are considering and whether the plan you’ve chosen will work in that environment. 
Note: a Local Professional lives and supports you and your neighbors in Your community. The web can provide lots of information… that ubiquitous person you call from the TV Ad who asks for your Zip Code… you will probably never speak with again. If you call the MAPD HealthPlan by law they can only discuss their plan not a comparison to the myriad of plans available in your county including Special Needs Plans for Chronic Conditions.
Your Local Professional will be available year after year to support you and your family with discussion of your needs.

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.

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

Patrick Metcalf · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is that the best plan for your neighbor or spouse isn’t necessarily the best plan for you. Everyone’s health needs, prescriptions, preferred doctors, and budget are different — and Medicare plans can vary drastically in how they cover those specifics. What looks good on paper or worked well for someone else might leave you paying much more out-of-pocket or losing access to your preferred providers. Taking the time to review your medications, doctors, and expected care needs each year can make a huge difference in both cost and peace of mind.

I always tell clients that Medicare isn’t a “set it and forget it” decision. Plans change every year — premiums, drug formularies, and networks shift — so an annual review with a trusted, licensed agent ensures you’re still in the plan that truly fits your life. A little preparation before enrolling can save hundreds, even thousands, of dollars and prevent surprises later in the year.

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!

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

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.

Peyton Hanigan · Answer

The one piece of advice I would wish every senior knew before picking a Medicare plan would be to find a reputable LOCAL agent to work with. Not only is it important to lean on agents for their knowledge and expertise, but having an agent that is local is beneficial for the purpose of having a personal connection. It's not your run of the mill business transaction it is a MAJOR decision that if not handled properly can cost you big time.

Answered by Peyton Hanigan on February 4, 2026

Agent Licensed in TX

Answered by Peyton Hanigan Medicare Insurance Agent

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, AL, AZ & 13 other states

Answered by Adam Simon Medicare Insurance Agent

Mackenzie Anderson · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is to carefully consider their specific healthcare needs and prescription medications, not just the premium cost. Plans can vary widely in coverage for things like doctor visits, hospital stays, and drugs, so picking one that aligns with your regular care and meds can save you a lot more money and hassle down the line than just going for the cheapest option upfront.

Answered by Charles Fletcher on March 24, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Tiffany Gladwell · Answer

It’s really important to review all the plans available to you in your area.  It really can be overwhelming and confusing, so it’s always good advice to consult a licensed and professional Medicare Agent, like myself at Tiffany Gladwell Insurance, to review all the plans and make sure you select the right one to meet your individual needs.

Tina VanPhung · Answer

I recommend working with a local, independent full-time Medicare broker with years of experience, or with someone referred by a trusted friend or family member. This helps ensure you receive honest advice and understand your options before choosing a plan.


Be cautious with unsolicited advertisements. Seek a local broker with a physical office, and avoid enrolling through call centers or agents outside your community.

Below are key factors to consider when selecting a plan.

Do not select a Medicare plan based solely on the premium.
Prioritize your prescription medications over the premium when choosing a plan.
Medicare plans are not one-size-fits-all.
Confirm that your preferred doctors and hospitals are included.
Be mindful of the trade-offs associated with each 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.

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

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!

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!!!

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.

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.

Jalon Scott · Answer

Find a good broker/agent to help you year over year. These plans change every year and sometimes in the middle of the year with network disruption. A solid agent who represents multiple companies should be able to guide you to the right plan that covers your doctors, prescriptions, pharmacy, and medical 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.

Roberta Thoma · Answer

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

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.

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

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. 
 
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.

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

Jim Tretola · Answer

It would be nice if Seniors truly understood their potential out of pocket costs. Too many simply focus on the $0 Premium and all the “goodies” of their Advantage Plan  and do not consider their costs if they have a hospitalization or an illness.

Kristen Skinner · Answer

Know the penalty for not taking a drug plan. That is the most of the complaints I get . Make sure you check your doctors and your drugs for each plan.

Ron Cronwell · Answer

Make sure all your doctors are in network. Also, ensure your prescriptions are covered and determine the copay or coinsurance.

Rick Boyd · Answer

What many seniors look for in a Medicare plan in order are, Monthly costs, benefits, then what Doctors, hospitals, and medications are covered. Cost is always a consideration, but Medications, Doctors, and Hospitals that are included should be of primary concern. Do not be misled by low cost or nice but not essential additional benefits. Focus on what your long term needs are while looking at each plans’ benefits.

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.

Kris Moen · Answer

Make sure the plan covers your doctors, your medications, and your hospitals — because the right plan isn’t the cheapest one, it’s the one that fits your actual care.

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.

Thomas Magnus, RHU · 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.

Gus Karigan · Answer

The single most important piece of advice:

Don’t miss your initial enrollment window—timing matters more than anything.

When you first become eligible (typically around age 65), you get a 7-month Initial Enrollment Period—3 months before your birthday month, your birthday month, and 3 months after. If you miss this window:
	•	You could face lifetime late enrollment penalties (especially for Part B and Part D)
	•	You may have gaps in coverage
	•	You might be limited to enrolling only during certain times of the year

Just as important—during this window, you often have guaranteed issue rights for supplemental coverage (Medigap). Miss that, and you could be subject to underwriting later, meaning higher costs or even denial.

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.

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.

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.

Abigail Turner · Answer

Don't sign up for a policy with ANYONE unless and until they have first gone through some kind of educational presentation on what Medicare is (define the four parts), what they cost and cover (and don't cover) as well as what your options are for Medicare coverage. How could you possibly know which option or coverage is right for you if you don't know what all of the options are, along with their pros and cons? Then make sure that person you're meeting with represents most or all companies in your area so you know they aren't being swayed to put you into one company or plan only.

Michael Wallner · Answer

I encorage my Senior Clients to try and consider their MOOP  (Max Out-of-Pocket) expenses when considering a Medicare Advantage Plan. Most people focus on Monthly Premium and extra benefits and overlook the potential effects of the deductibles, co-pays and co-insurance fees if they were to get ill. Some services, such as Cancer Infusion services, have high Out-of-Pocket fees. You really need to consider the worse case scenario and factor in over all health, family history and other factors, when choosing the right health plan for you.

Brianna Douros · Answer

Hey y'all, Brianna here, your favorite life and health insurance agent and owner of Be Real Insurer, bringing you real solutions. So yeah, we're gonna go over three questions that I want you to ask yourself, whether you're new to Medicare and considering a Medicare Advantage plan, or if you're reviewing your current Medicare Advantage plan during the annual open enrollment period.

The first thing that I want you to ask yourself is, are my doctors in network with this Medicare Advantage plan? It's going to include your primary care doctor and any specialists that you're seeing.

And the second thing that I want you to ask yourself is, are my prescriptions going to be covered under this Medicare Advantage plan and at a reasonable cost, along with my pharmacy? Is that going to be in network?

And the third thing that I want you to ask yourself is, what kind of extra benefits, such as dental, vision, or hearing services, do I need? Not all Medicare Advantage plans are going to cover these services, and some only at a certain extent. So it is important to know your needs.

If you're still unsure how to answer these questions or if you need any guidance while reviewing your options, I would be happy to walk you through that at no cost. Medicare doesn't have to be overwhelming, y'all. I hope that helps. And if you have any questions, don't hesitate to reach out to me. Until next time, y'all keep it real.

Brian Kulis · Answer

Please seek out a local agent. They will have firsthand knowledge of doctor and hospital networks and what is going on in your community. An Agent Broker such as I, is licensed with many companies and can help you pick the best plan in your area.

Pauline Weiland · Answer

Don't try to learn everything on your own. Find a local agent to help talk you through all your decisions. Someone that represents multiple companies will be able to look objectively at your needs and find the best fitting solutions for your situation.

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.

Constance Phillips · Answer

You need to weigh your options between a supplement and an advantage plan by going over all the benefits and costs with each plan to make sure the plan you decide on will serve your needs. While Advantage plans and Supplemental plans are both suitable plans, seniors are drawn to an Advantage plan because there is 0 premium for many plans but there are other costs involved. Both Advantage and Supplement plans are approved by CMS before they can offer their plans to seniors.

Rob Campbell · Answer

Find a Medicare agent in your area who is appointed with multiple carriers. Ensure that they have several years of experience at a minimum. Compensation to the agent is the same regardless of the plan recommendation so the agent should make recommendations based on what is best for you

Lou Spatafore · Answer

Medicare beneficiaries who are new to Medicare need to be aware of the rules such as when to sign up and enroll in Parts A,B and D to avoid costly lifetime penalties.  they should be made aware of their options on how to fill the gaps left by original Medicare.  A professional Agent or Broker will explain the rules and options in clear easy to understand language.

Cindy Dedini · Answer

Seniors should have a trusted agent to walk them through the process of choosing a Medicare plan.  DO NOT listen to neighbors, friends and associates because they are not licensed and are not the experts.

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.

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.

Hugo Luis Mion · Answer

All plans are different and cover diferent medical needs. If you have a special doctor, hospital or medicine it must be confirm by the agent that the plan cover it.

Dawn Young · Answer

Find a trusted broker who is appointed with several carriers and is knowledgeable in plans that would best serve you.

Sean Davis · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is to carefully consider their specific healthcare needs and prescription medications, not just the premium cost. Plans can vary widely in coverage for things like doctor visits, hospital stays, and drugs, so picking one that aligns with your regular care and meds can save you a lot more money and hassle down the line than just going for the cheapest option upfront.

Answered by Charles Fletcher on March 24, 2025

Agent Licensed in WA, AZ, ID, NV & TN

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.

Becki Jennings · Answer

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

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

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.

Nick Morris · Answer

I believe talking with someone who represents multiple carriers and sells both Medicare Advantage and Medicare Supplement is important. These decisions are important, and there is a lot of confusing and conflicting information out there. Talking with someone and comparing the information you get from them with your own assessments and thoughts is something that I think everyone should do. I also believe that signing up with an agent is a good move, because it gives people another contact who generally is not directly associated with that insurance company. That way, if there are issues in dealing with that insurance company, you have someone else outside the organization you can consult with and obtain help from.

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.

Nickey Baxter · Answer

Don't listen to your neighbor. Every person has different needs. Your neighbors plan may not be the best choice for you, based on the network of doctors or hospitals you use and the prescriptions you take. Seek professional help to make an informed decision.

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.

Shrutep Amin · Answer

One key piece of advice: **always check if your current doctors, preferred hospitals, and prescription drugs are covered** before choosing a plan. Coverage networks and formularies can vary widely, and picking the wrong plan could mean higher costs or having to switch providers.

Niels Heemskerk · Answer

The one piece of advice I would give is find a reputable insurance agent that can show you all options. Pick the plan that fits your budget and your needs.

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?

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.

Rita Collins · Answer

That not all plans are the same! A Medicare plan that suits your neighbor may not be the best for you.

Randy Bremer · Answer

One piece of advice I would advise any buddy picking a Medicare plan is to get every different way to purchase Medicare insurance not one way will fit every person‘s needs

Karen Chiaruttini · Answer

Always choose a plan that fits for your Drs, hospitals you will go to,your meds, what your budget is, if you travel. Never choose a plan you heard about on your favorite TV channel. Do your research

Michael Braun · Answer

There is no wrong plan as all of the plans have to cover what Medicare will.    Medicare Advantage plans have a network of doctors and hospitals you will need to use.  There are PPO and HMO plans, depending on whether or not which you prefer.    There is no network when you use regular Medicare with a supplement.   As a consumer, you have to identify what is most important to you as you access services.

Melody Manthey · Answer

Medicare plans are not a one size fits all. What works for your friend, family member, or neighbor may not be a good fit for you. Some people also qualify for additional programs and benefits based upon their income. These plans are not available to everyone. As a professional, I make recommendations based on your individual needs.

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.

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.

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 the number one way to get educated around Medicare and that it is at no cost to them.

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.

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.

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!

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

Mary Brown · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is that the "cheapest" option upfront isn't always the most cost-effective in the long run. I also wish more people understood that what works for their neighbor, spouse, friend, or family member, may not be what is best for the individual. Everyone has an opinion but yours is the only one that matters. Make a decision after educating yourself and listening to an unbiased source, like myself.

Answered by Mackenzie Anderson on July 3, 2025

Agent Licensed in TX

Answered by Mackenzie Anderson Medicare Insurance Agent

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!

Meghan Blankenship · Answer

Don't just look at the monthly premium - compare the total annual cost based on your actual doctors, prescriptions, and health needs.

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.

Dean Chiapetto · Answer

I wish that people knew that local agents make a difference. You should find a local Medicare agent who brokers many different companies. There is no charge to use a local agent. Don't call someone you see on TV.

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.

Jack Mayer · Answer

Go with a local agent!! Someone you can meet in person. A dedicated agent will guide you through Medicare, answer all your questions and help you decide what is best for you based of your particular healthcare needs.

Carol Conner · Answer

I would say they should know that long-term care is not paid for by Medicare and should make arrangements to protect their assets and get a policy that will help pay for that when the time comes so you don’t have to spin down your hard money that you worked for all your life

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.

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.

Cheryl Lyons · Answer

Make sure the plan covers your doctors, prescriptions, and local hospitals—the cheapest premium isn’t worth it if you can’t get the care you need.

Brent Mowery · Answer

It is necessary to know your options. Speaking with a knowledgeable broker is important to educate you regarding your choices, costs and deadlines.

Toni Cormier · Answer

That there is no perfect plan but if you take your time to think about what is most important to you from a needs perspective and you can manage the cost and identify which plan comes closest to it you will be able to find a plan that meets your needs.

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.

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.

Lillian Hill · Answer

I advise my clients to understand that a Medicare plan should take good care of you today and still be there for you if your health ever takes a major—or heaven forbid, catastrophic—turn tomorrow.

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.

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 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.

Natalee Nimmo · Answer

That there is the BEST coverage Plans which are Medicare Supplements and the Most Affordable Plans which are Medicare Advantages. Which is more important to you; Your Pocket book or your Peace of mind?
Medicare Advantage plans have Networks, Prior Authorizations and Co-pays for everything. Medicare Supplements have none of that.

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.

Tristan Gibbs · Answer

There are many options available. Do not jump on the first plan you hear about. Compare and contrast all of your options before making a determination.

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.

Ray Rios · Answer

The # 1 piece of advise to a Senior before enrollment is to have a concise Needs Analysis. This helps the beneficiary to clearly understand their need and how we as agents can help them best.

Robert Evans · Answer

One of the main things is to know is if your doctors are in the network. Once it’s determined what network your doctors are then you can look at other benefits of the plan. The other thing to know is what prescriptions are covered and estimate cost based on tier.

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.

Silvana Peacock · Answer

I wish every senior knew that the cheapest premium isn't always the best plan. The most important thing is to make sure the plan covers your doctors, prescriptions, and health needs so you don't end up paying more later.
Silvana 🦚

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.

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.

Lori Marion` · Answer

You have options and you have the right to make decisions that could affect the rest of your life. Be sure you understand every decision you make.

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.

Jajuan Knox · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is to carefully consider their specific healthcare needs and prescription medications, not just the premium cost. Plans can vary widely in coverage for things like doctor visits, hospital stays, and drugs, so picking one that aligns with your regular care and meds can save you a lot more money and hassle down the line than just going for the cheapest option upfront.

Answered by Charles Fletcher on March 24, 2025

Agent Licensed in WA, AZ, ID, NV & TN

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.

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

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.

Samantha Jones · Answer

Know all your options or at least have someone that can compare them with you so that you know you're getting the most beneficial plan for your needs

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

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.

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.

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.

Maurice Ellis · Answer

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

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.

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.

Luis Mendoza · Answer

Too many seniors focus only on the monthly number, and that’s how they end up stuck in plans that don’t actually serve them. The real “smart shopper” move is to calculate the big picture: premiums + copays + drug costs + network access. That’s where the right plan choice becomes clear.

Korina Medrano · Answer

Trust a broker. Let them help you at no cost. There is so much information out there and we have worked hard all year to train and advise on how to limit your exposure.

Amal Sahyoun · Answer

Medicare beneficiaries should know that they need to enroll as soon as eligible to avoid penalties.  Eligibility can vary.

Kyle Nystrom · Answer

Medicare "Advantage" Plans are not the only option! Medicare Supplement (Medigap) Plans are superior coverage, but not as often advertised. Advantage Plans work for some, but should be carefully examined for exact coverage and costs.

Kyra Baldwin · Answer

That it's important to understand what your prescriptions may cost not only month to month, but over the entire year. An agent can walk you through choosing a plan by checking your current medications and making sure your doctors participate with the plan, helping you avoid surprises in the future.

Ricky Gonzalez · Answer

One of the most important things seniors should know is that the decision they make when they first enroll can affect their options and costs for the rest of their lives, especially when it comes to Medicare Supplement plans that may require medical underwriting later. 

It’s critical to choose a plan not just based on the lowest premium today, but on long-term flexibility, access to doctors, and protection against unexpected healthcare expenses.

Mark Summers · Answer

Create an account at www.medicare.gov. You can review all options yourself or with help from a broker or Medicare volunteer.

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.

Kendra Siemiesz · Answer

Keep an open mind and don't limit yourself to an agent that just works with one carrier or one product. Make sure you work with someone that is contracted with multiple carriers in your area so that they can find the best fit for you.

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.

Theresa Furth · Answer

Don't just pick a plan for the lowest premium or because it the plan you started on - pick a plan to fit you health needs today for complete peace of mind and coverage.

Steven Guiness, CSA · Answer

The best piece of advise I can give is.... Don't choose a plan based solely on the monthly premium. You need to look at MOOP limit and your specific medications and your doctors are in the network.

Sherri Beach · Answer

One of the most important pieces of advice I wish every senior knew is this: don’t choose a Medicare plan based on premiums or extra perks alone.

A $0 premium or added benefits like dental, vision, or grocery cards can look very appealing, but the real value of a plan comes down to how it works for your actual healthcare needs. That includes your doctors, your prescriptions, your expected out-of-pocket costs, and how often you use care.

The best approach is to start with your personal needs first — then match a plan to them. For example, if you take multiple medications, prescription coverage may be the most important factor. If you have established doctors, making sure they are in-network could matter most.

Also, it’s important to review your coverage every year. Plans can change their costs, networks, and benefits annually, and what worked one year may not be the best fit the next.

Working with a licensed Medicare agent can help simplify this process. My role is to compare your options side-by-side so you can make a confident, informed decision that truly fits your health and budget — at no cost to you.

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.

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!

Michelle Brown · Answer

I wish that every senior understood exactly how their plan works and their financial responsibility for medical care.

Rachel Gauthier · Answer

When picking your Medicare plan for the first time you are not only selecting what is best for you today, but also would is best for you for the next 30 to 40 years.  Your Medicare benefits are your healthcare benefits for the rest of your life and this decision should not be made lightly.  A professional holistic retirement planner can help you determine what is best for you based on your individual circumstances.

Brian Maiz · Answer

There is a ton of free resources available on Medicare.gov and that working with an agent such as myself, is absolutely free to you.  I'm not a call center with a quota but a real member of your community. I work for you and have no incentive to steer you in any direction other than to find out what works best for you and your specific situation. Bonus is that I want to keep you as a client and friend for life!

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!

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!

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.

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.

Otumdi Omekara · Answer

If I had to pick just one piece of advice every senior should know, it would be this:

Always check whether your doctors, hospitals, and prescriptions are covered before enrolling — because the lowest premium means nothing if you can’t see the providers you trust or afford your medications.

A lot of people pick a plan because their neighbor, friend, or even a TV ad made it sound good. But Medicare isn’t “one size fits all.” What works great for one person can be a nightmare for another if their doctors or drugs aren’t covered.

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.

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

Al Bernotas · Answer

If you want to see virtually no copays or coinsurance or deductibles, you go with Medigap (Medicare Supplement). If you want to keep the money in your pocket until you have a medical expense, you go with Medicare Advantage. It is a roll of the dice, but your peace of mind is your key.

LeAnn Pedersen · Answer

That once they first qualify for Medicare i.e. age: 65 or 24 months social security disability there is a big difference between Supplements vs Advantage plans when looking for plans. If you can afford a supplement get one!

Christopher Randall · Answer

To have a thorough contrast between original Medicare with a stand alone drug plan and Medicare Advantage. Sometimes people only hear one side of the argument, however, it is best to see both sides. Also understanding that Medicare does not cover Long Term Care and understanding options outside of Medicare to help with a problem 70% of seniors experience.

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.

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.

Becky Subramanian · Answer

One piece of advice I wish every senior knew before picking a Medicare plan is to completely educate yourself on why you are picking a certain plan and  not choosing another option. 

 Too many times seniors only have one choice in mind and aren’t willing to learn about all options available because of what friends or family say.  Educating yourself on Medicare plans helps you navigate better in the future. 

Each senior’s health experience is unique so talking to a trusted and well informed broker can help identify your priorities and the best plan for you.  Be sure to ask LOTS of questions!

Hope Foutz · Answer

That an agent can help them navigate the process and help them pick a plan that meets their needs.  For most individuals, there are several of options and no need to worry if they are working with someone knowledgeable.

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.

Jennifer Mimikos · Answer

There is no such thing as a silly question. If you need more clarity, ask the questions on your mind. Medicare can be confusing with all the deadlines, plan options, penalties, etc to keep up with. A good agent will want to make sure you know all your options, and they will be more than happy to answer any questions!

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.