People 65 and older, as well as younger people with disabilities and some medical conditions, have access to comprehensive health insurance through Medicare. However, the choices and options open to you can be perplexing and daunting. And if you make a poor decision, you might lose a lot of money.
Here's how to get the most out of Medicare with our step-by-step guide.
For the first time, you're enrolling in Medicare.
It's never been easier to start Medicare than when you turn 65. If you participate in Medicare at the wrong time, you might end up spending extra money for the rest of your life—or paying for parts of Medicare that you don't need. Our guide will take you through the process step by step.
How do I choose between Medicare Advantage and Initial Medicare?
After enrolling in Medicare, the first major decision you'll have to make is whether to stay with original Medicare plus a Medigap supplementary plan or enroll in a private Medicare Advantage plan. We set out the benefits and drawbacks of both choices so you can decide which is best for you.
What factors do you consider when choosing a Medicare Advantage plan?
When choosing a Medicare Advantage package, there are several factors to consider. What will be your out-of-pocket expenses? Is there a procedure in place for your doctors? What will the cost of your prescriptions be? We show you how to use the search tool on Medicare.gov to find the right option for you.
How to Choose a Medigap Policy
Shopping for these supplemental plans that cover Medicare's out-of-pocket expenses can be perplexing even for the most knowledgeable shopper. We clarify how Medigap plans operate, how they're priced, and how to find one that's right for you.
How to Choose a Medicare Prescription Drug Plan
Finding the right Medicare Part D package will take some time if you take prescription medications on a daily basis. Make sure you don't overpay for your prescriptions by following our step-by-step guide to researching plans on Medicare.gov.
Where can I get one-on-one Medicare advice for free?
You don't have to make informed assumptions when it comes to Medicare enrollment, plan availability, incentives, billing, and coverage conflicts. Every state offers a free State Health Insurance Assistance Program, which offers free individual therapy. The complete list can be found here.
