How to Choose a Medicare Plan

Comprehensive Assistance with Medicare Supplements and Advantage Plans 

Virginia's Health Insurance Agent can help you find the best Medicare supplement, Medicare Advantage Plan or Medicare prescription drug plans to meet your needs. We'll work with you to understand your health care needs and budget, and then we'll compare the available plans to find the best fit for you.

As anyone on Medicare knows, having good health insurance is important. What you may not know is that a Medicare supplement can be a great way to get the coverage you need. Medicare supplements are designed to fill in the gaps in standard Medicare coverage, and they can provide a great deal of protection for those who need it.

Before you begin the process there are a few good questions you can ask yourself to help determine whether a Medicare Supplement or Advantage Plan are best for you.

  1. Do your important physicians participate in any Medicare Advantage plans or do they only accept Original Medicare?

  2. What insurance is accepted by your preferred hospitals?

  3. Do you travel out of the area frequently? If so, you might find Original Medicare with a Medicare Supplement to be a good fit for you since you can use it for any doctor or hospital in the nation that accepts Medicare.

  4. What is your risk tolerance? If you have a year of heavy health spending, do you have enough savings to spend the possible out-of-pocket maximum that a Medicare Advantage plan might require?

  5. How about peace of mind? Are you a person who will sleep better at night if you have a lower premium and just pay for services as you go? If so, you might be a good candidate for a Medicare Advantage plan. By contrast, if you tend to worry about unexpected expenses, a Medicare Supplement could give you the peace of mind of knowing exactly what medical spending you will incur regardless of your health.

Medicare supplements can help you save money on your out-of-pocket costs. Medicare supplements can help cover the costs of things like deductibles, co-pays, and coinsurance. This can save you a considerable amount of money over time, and it can make your coverage more affordable.

If you're approaching your window to enroll in Medicare, a Medicare supplement could be a great option for you. Be sure to talk to an insurance agent to learn more about your options and to find the best plan for your needs.

 

We understand that every person's situation is different. That's why we take the time to get to know you and your health care needs and budget. Once we have a clear understanding of what you're looking for, we'll compare the available plans and help you find the best fit.

We'll also help you enroll in the plan of your choice and keep track of your coverage. Our goal is to provide you with the best possible service and the most comprehensive coverage at the most affordable price.

Contact us today to learn more about how we can help you find the best Medicare supplement and Medicare prescription drug coverage.