Medicare Blog

44 questions when comparing medicare plans

by Tyreek D'Amore Published 2 years ago Updated 1 year ago

Before choosing a Medicare Advantage Plan, you may want to compare several plans by asking them these questions:

  • What's my share of the costs for services and supplies?
  • Does the plan have a network The facilities, providers, and suppliers your health insurer or plan has contracted with to...
  • Does the plan offer benefits The health care items or services covered under a...

Full Answer

What questions should I ask when choosing between Original Medicare and advantage?

When you are choosing between Original Medicare and Medicare Advantage or between Medicare Advantage Plans, here are some questions to keep in mind. Will I be able to use my doctors?

Can I have Medicare Advantage and Medigap at the same time?

You have to choose one or the other. Since Medicare Advantage plans handle your claims instead of Medicare, the Medigap plan can’t coordinate benefits with Part C. If you have both, the Medicare Advantage plan will cover you, but the Medigap plan won’t. Basically, you’re wasting money on Medigap at that point.

How can I get answers to my Medicare questions?

Also, an agent can answer all your Medicare questions, so you feel confident in your decision. Fill out an online rate form to see your rates now. Or, call us at the number above to get answers to your Medicare questions. We can even walk you through enrolling in a policy. Enter your zip code to pull plan options available in your area.

How do I find the best Medicare plan for me?

Medicare can be a complex maze with an ever-changing map. But, you don't have to navigate alone. Our agents can walk you through the plan search process to find the best options for you in your area. Also, an agent can answer all your Medicare questions, so you feel confident in your decision. Fill out an online rate form to see your rates now.


What is the best way to compare Medicare Advantage plans?

The Medicare Plan Finder on is currently the most comprehensive tool for comparing Medicare Advantage plan benefits, prescription drug coverage and costs.

What are good questions to ask about Medicare?

Use this guide to consider your options when preparing to enroll in Medicare or after you have already enrolled.What are the basics? ... What are your coverage options? ... Should you enroll in Part D? ... Are you eligible for programs that help lower Medicare costs? ... What resources exist to help you navigate Medicare?

How do I know which Medicare plan is right for me?

To compare Medicare plans, use the Medicare Plan Finder at, on the official U.S. government site for people with Medicare, which allows you to compare plans by cost, by quality and by other features that may be of importance to you.

Which Medicare Supplement plan has the highest level of coverage?

Plan FPlan F premiums are usually the highest of all Medicare Supplement plans. This makes sense because it offers the highest level of coverage. Medicare Supplement costs vary based on a number of factors, including your age, sex, smoking status, and even your ZIP code.

How do I get my questions answered for Medicare?

Do you have questions about your Medicare coverage? 1-800-MEDICARE (1-800-633-4227) can help. TTY users should call 1-877-486-2048.

What is medical underwriting for Medigap?

Medical underwriting is a health test that helps insurers decide whether they want you as a customer and, if so, how much to charge you. If you have certain health issues, you may not be able to apply for Medigap, the supplemental insurance for Medicare Parts A and B.

What are the negatives of a Medicare Advantage plan?

Medicare Advantage can become expensive if you're sick, due to uncovered copays. Additionally, a plan may offer only a limited network of doctors, which can interfere with a patient's choice. It's not easy to change to another plan. If you decide to switch to a Medigap policy, there often are lifetime penalties.

What is the best Medicare Part D plan for 2022?

The 5 Best Medicare Part D Providers for 2022Best in Ease of Use: Humana.Best in Broad Information: Blue Cross Blue Shield.Best for Simplicity: Aetna.Best in Number of Medications Covered: Cigna.Best in Education: AARP.

Who is the largest Medicare Advantage provider?

AARP/UnitedHealthcareAARP/UnitedHealthcare is the most popular Medicare Advantage provider with many enrollees valuing its combination of good ratings, affordable premiums and add-on benefits. For many people, AARP/UnitedHealthcare Medicare Advantage plans fall into the sweet spot for having good benefits at an affordable price.

What are the top 3 most popular Medicare Supplement plans in 2021?

Three Popular Medicare Supplement PlansBlue Cross Blue Shield. According to Blue Cross Blue Shield (BCBS), Plans F and N are available in most areas. ... AARP United Healthcare. The United Healthcare Medicare Supplement plan is also very popular. ... Humana.

What are the top 3 Medicare Advantage plans?

The Best Medicare Advantage Provider by State Local plans can be high-quality and reasonably priced. Blue Cross Blue Shield, Humana and United Healthcare earn the highest rankings among the national carriers in many states.

Is plan F better than plan G?

Is Medicare Plan G better than Plan F? Medicare Plan G is not better than Plan F because Medicare Plan G covers one less benefit than Plan F. It leaves you to pay the Part B deductible whereas Medigap Plan F covers that deductible.

How many classes of drugs does Medicare cover?

There are many drugs covered under Medicare. Plus, every plan must cover the six protected classes. If you have medications that need coverage, use the Medicare plan finder tool to identify the policy that will cover your medications.

What happens if you don't pay Medicare?

But, if you don’t pay the premium on a Medicare Advantage or Medigap plan, they can drop you. Also, if you don’t pay your Part D premium, the drug plan can drop you. Usually, they give multiple notices before the plan terminates your policy.

What is Medicare Part C?

Medicare Part C is a Medicare Advantage plan. These plans sometimes have a $0 per month premiums, and many of them include Part D drug coverage. However, there are some pitfalls to Medicare Advantage plans that you need to know before signing up.

What is a medicaid supplement?

A Medigap plan is a supplemental option for Medicare. Medigap plans are also Medicare Supplement plans; these policies fill the gaps in Medicare. So, when Medicare would otherwise charge you 20% or a deductible, the Medicare Supplement could instead pick up the bill.

How long before Part B is effective?

You can pre-enroll in Medigap up to 6 months before the Part B effective date with some companies. But, many companies only allow you to pre-enroll 3 months before Part B effective date. The Open Enrollment Period for Medigap lasts for 6 months and begins the day your Part B is effective.

Does Medicare pay less if you have a low income?

The cost of Medicare depends on many things. Those with a low income will likely pay less than the standard amount and may qualify for Medicare and Medicaid. Those with a higher income will likely pay more for Part B; this is called the Part B Income Related Monthly Adjustment Amount.

Is Medicare mandatory?

Of course, Medicare isn’t mandatory, so you can choose whichever option makes the most sense for your situation. You can also always consult your benefits administrator at the office where you work to identify your options.

What is Medicare?

Medicare is a health insurance plan for citizens of the United States over the age of 65 and with certain other health conditions. It includes many (but not all) of the costs of healthcare for these populations.

Purpose of Medicare

Older adults, 65 and older: This is a usual retirement age when health coverage by an employer ends. Medicare offers health coverage at a time of life when prescription and health care costs often rise.

Parts of Medicare

Original Medicare includes Part A and B. It allows beneficiaries to visit any doctor or hospital that accepts Medicare anywhere in the United States. Medicare will pay some charges for each service it covers. You pay the rest fee unless you have additional insurance that covers those costs.

Things to Consider While Comparing Medicare Plans

Ask yourself the following questions before finally selecting a Medicare Plan:


Where and When Should I Start?

What Should I Look For in A Medicare Plan?

  • When comparing Medicare plans, you should focus on the three Ps: premium, prescriptions, and providers. Ask yourself these three questions: 1. Premium — What do I pay now? What can I afford in the future? 2. Prescriptions Are prescription drugs covered and does the plan’s drug formulary, or list of covered drugs, include the drugs I take today? 3...
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How Do I Know If I’m Getting The Right Plan at The Right Price For Me?

  • There are many types of plans and prices to choose from. Medicare Advantage plans are administered by private insurance companies, with varying costs and benefits. There are even plans with $0 premiums. In the case of $0 premium plans, the federal government pays the health plan to cover all Medicare services, plus extra benefits that your current plan may not include, su…
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Whom Should I Turn to For Help?

  • If you need help sorting out the details and deciding whether a Medicare Advantage plan is right for you, call your current insurance provider and ask questions specific to your health care needs. You can also contact Medicare for more information, or talk to an independent broker to learn more about your options before deciding on a plan. Still need help? Visit to lea…
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