Why Shop Your Medicare Plan?

I think we all can agree that shopping a health insurance plan is not the most exciting thing we will every do, but not having the right plan for the unexpected can cause a tremendous amount of stress that you will never forget. Annual enrollment periods are very important because you have the opportunity to plan for the following year and make sure you are covered for both the planned and unplanned health events. Here are a few items to keep in mind when you are shopping for a Medicare plan in 2023.

Is your doctor accepting your Medicare plan in 2023?

Speaking from personal experience, it can be frustrating to get ready for your yearly visit only to realize that your doctor is no longer accepting your insurance! A Medicare agent can help you see if your doctor is accepting your insurance plan for the next year or if there is a need to shop plans that your doctor will be accepting.

Is your current Medicare plan covering your prescriptions?

Drug formularies are ever changing and each plan, even within the same carrier, can be different. Comparing drug plans and pharmacies can ensure you are saving the most amount of money during the year. Have you considered using a mail-order pharmacy? This may be an option to save you even more money on your prescriptions.

Are you maximizing the benefits that your plan provides?

Likely, you have heard the expression “The Devil is in the details” and that simple expression reminds us that details matter. Insurance is complicated, but often times a person may not be fully using the benefits. For example, if your plan offers dental, are you using the benefit to the full? Also, it may be that you expect extensive dental work in the following year, is your current plan limited in their coverage? Would it be a good idea to shop a better plan?

Working with a local agent is always a good idea and ensures you have someone, one of your neighbors, looking out for you! Shopping plans does not take long and if you choose Friendliest Agent then we will work hard to help you and create a relationship that will last.