Com­par­ing Medicare health and pre­scrip­tion drug plans can be com­pli­cat­ed. Keep in mind these 4 things to make your plan choice eas­i­er with the Medicare Plan Find­er.

  1. Total cost for care. It’s impor­tant to think about your total out-of-pock­et costs, includ­ing deductibles, copay­ments, coin­sur­ance, max­i­mums, and drug costs, that you’ll pay with a Medicare health or drug plan. When you com­pare plans with Medicare Plan Find­er, we’ll explain these costs and help you find plans with the low­est costs. We’ll also auto­mat­i­cal­ly show you plans with the low­est drug and pre­mi­um costs first.
  2. Provider choice. Some plan types have a net­work of providers you’ll have to use if you want to pay less. Medicare Plan Find­er lets you fil­ter your results by plan type, and explains how each plan type lets you choose providers. If you have a par­tic­u­lar doc­tor or phar­ma­cy that you pre­fer to go to, see if that plan has a net­work. If it does, check that your provider is in the plan’s net­work. You might also want to make sure that your plan’s net­work has providers to choose from that are con­ve­nient to you.
  3. Ben­e­fits. Many Medicare Advan­tage Plans include pre­scrip­tion drug, vision, hear­ing, and den­tal cov­er­age. Maybe you trav­el a lot, or spend part of the year in a dif­fer­ent state. If you do, see if your plan will cov­er you when you trav­el. When you use Medicare Plan Find­er, you can view, fil­ter, and com­pare these benefits.
  4. “Over­all Star Rat­ing.” Medicare Plan Find­er fea­tures a star rat­ing sys­tem for Medicare health and drug plans. The “Over­all Star Rat­ing” gives an over­all rat­ing of the plan’s qual­i­ty and per­for­mance for the types of ser­vices each plan offers. A plan can get a rat­ing between 1 and 5 stars. A 5‑star rat­ing is con­sid­ered excel­lent. If a Medicare Advan­tage Plan, Medicare drug plan or Medicare Cost Plan with a 5‑star rat­ing is avail­able in your area, you can use the 5‑star Spe­cial Enroll­ment Peri­od (once a year) to switch from your cur­rent Medicare plan to a Medicare plan with the 5‑star rating.

Vis­it the Medicare Plan Find­er to start com­par­ing 2021 Medicare health and drug plans now.

Orig­i­nal­ly post­ed on Medicare.gov