There are many reasons why would you need and want to get a Medicare Advantage plans 2023. But of course, the decision must not come in abrupt, as there are a lot of things you need to consider together with it.
Asking yourself with relevant questions is what you need to do initially before finally agreeing with a provider on which type of Medicare Advantage Plan would you get.
There is actually no better person to assess your need of the plan than yourself, and to help you with it, below are a few questions that you may want to ask yourself to figure out whether getting a plan is necessary, which plan to get and which provider to choose:
- How much money did I spend from previous years?
This is a good way to determine how much you can afford, both on out of pocket cost and premiums. There are plans that are charging 0 while there are others that are charging a few hundred dollars.
Make sure that you assess your budget properly to ensure that you wont miss any payment and that you can enjoy all the benefits you can get from the plan.
More or less, the money you spent from previous years would almost be the same with what you will spend this coming year.
- What prescription medicines do I need to take or would I need to take in the future?
If you are taking a prescription drug, make sure that you consider it as well. Choosing a plan that covers prescription drug is your best bet if you want to get the most out of it. Check on the plan’s drug list and see if your medicine is covered under it. You would not want to end up with a plan that won’t be able to help you when you need assistance to buy your medicines.
- When can I visit my doctor for consultation?
To exactly know which plan to get, consulting a doctor is a must. It is highly recommended that you confirm as to when you can visit your doctor for consultation before finalizing the plan to consider.
Different people have different health conditions and needs, and consulting them can help you determine the specific plan you need for your health condition. Your doctor can also help you in determining your current medical conditions and other possible health issues you might face in future that requires long term healthcare needs.
- Do I have enough funds to pay the premium?
These plans come with a fee, hence you have to make sure that you have enough money to sustain paying its premium, monthly, quarterly, yearly etc. There are some who can only pay the first few months, and end up not continuing the plan because they are short of budget, if this happens, you will just end up very problematic as you wont be able to enjoy the benefits of having a medicare advantage plan.