brandlogo
Seattle Insurance Partners Protection You Can Count On
Our BlogSchedule an AppointmentCareer Opportunities
Seattle: 206-555-4433
Kirkland: 425-555-4444
Home
Independent Insurance AgentGet a Quotehero-sample
Medicare Plans
Medicare Supplement (Medigap) InsuranceMedicare Advantage PlansPart D Prescription Drug Plans
Medicare Resources
Medicare SimplifiedMedicare: What you need to knowAre You Eligible for Medicare?Different Types of Medicare Advantage PlansPlans K and L Compared to Plans G and NMedicare-Related Enrollment Dates and GuidelinesMedicare 2023 costs at a glanceWhere to Get Your Medicare Questions AnsweredWhat to Consider When Choosing or Changing My CoverageCompare Medicare Supplement plans side by sideWhat to Do During Your First Year With MedicareGet your Medicare & You Handbook
Health
Understanding Your Health Insurance OptionsHealth Insurance Plans Available on the MarketplaceEssential Health BenefitsSummary of Benefits and CoveragePreventive health services for adultsShort-Term Medical Insurance – Temporary CoveragePre-65 Health Care InsuranceUnderstanding the Affordable Care ActPick your health insurance plan earlyHealth Savings Accounts
Critical Illness
How Critical Illness Insurance Coverage Can Work For YouWhat is Critical Illness Insurance?Exploring Critical Illness Insurance
Dental/Vision
Choosing Dental CoverageVision Insurance: Is It Right For You
Life
Navigating Life InsuranceTerm Life InsuranceTerm Life Insurance with Living BenefitsWhat is Universal Life Insurance?Taking the Confusion Out of Linked BenefitsLife Insurance Policies and Cash ValueHow Much Life Insurance Is Enough?Difference between Simplified Issue Life Insurance and Guaranteed Issue Life InsuranceWhich Makes Sense for You: Permanent or Term Life Insurance?Life Insurance: Purposeful ProtectionBurial and Final Expense InsuranceHow Whole Life Insurance Works
Get a Quote
Get a QuoteMeet with UsWelcome to Medicare
Home & Auto
How Auto Insurance Protects YouClassic and Collector Car InsuranceWhat You Need to Know About RV InsuranceMotorcycle InsuranceUnderstanding Boat InsuranceAbout Homeowner’s InsuranceRenters Insurance 101

What to Consider When Choosing or Changing My Coverage

As you review your Medicare health coverage, here are some things to consider to determine if you have the right coverage or should be looking for a new policy.

Coverage: How much are your premiums, deductibles, and other costs? How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out-of-pocket for medical services? Make sure you understand any coverage rules that may affect your costs.

Your other coverage: If you have other types of health or prescription drug coverage, make sure you understand how that coverage works with Medicare. If you have employment-related coverage, or get your health care from an Indian Health or Tribal Health Program, talk to your benefits administrator or give us a call before making any changes.

Costs: How much are your premiums, deductibles, and other costs? How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out-of-pocket for medical services? Make sure you understand any coverage rules that may affect your costs.

Doctor and hospital choice: Do your doctors accept the coverage? Are the doctors you want to see accepting new patients? Do you have to choose your hospital and health care providers from a network? Do you need to get referrals?

Prescription drugs: Do you need to join a Medicare Prescription Drug Plan? Do you already have creditable prescription drug coverage? Will you pay a penalty if you join a drug plan later? What's the plan’s overall star rating? What will your prescription drugs cost under each plan? Are your drugs covered under the plan's formulary? Are there any coverage rules that apply to your prescriptions? Are you eligible for a free Medication Therapy Management (MTM) program?

Quality of care: Are you satisfied with your medical care? The quality of care and services offered by plans and other health care providers can vary. How have Medicare and other people with Medicare rated your health and drug plan’s care and services? Get help comparing plans and providers.

Convenience: Where are the doctor's offices? What are their hours? Which pharmacies can you use? Can you get your prescriptions by mail? Do the doctors use electronic health records (EHRs) or E-prescribe? Can you get an electronic copy of your information by email or to store in a personal health record? Which pharmacies can you use? Is the pharmacy you use in the plan’s network? If it’s in the network and your plan offers preferred cost sharing, does your pharmacy offer preferred cost sharing? You may pay less for some drugs at pharmacies that offer preferred cost sharing. Can you get your prescriptions by mail?

Travel: Will the plan cover you if you travel to another state or outside the U.S? Original Medicare generally doesn’t cover care outside the U.S. You may be able to buy supplemental insurance that offers travel coverage.

We know you have questions, please give us a call so that we can help you make the right decision about the policies that best suit your needs.

 

 Information obtained from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.

Medicare Resources
  • Medicare Simplified
  • Medicare: What you need to know
  • Are You Eligible for Medicare?
  • Different Types of Medicare Advantage Plans
  • Plans K and L Compared to Plans G and N
  • Medicare-Related Enrollment Dates and Guidelines
  • Medicare 2023 costs at a glance
  • Where to Get Your Medicare Questions Answered
  • What to Consider When Choosing or Changing My Coverage
  • Compare Medicare Supplement plans side by side
  • What to Do During Your First Year With Medicare
  • Get your Medicare & You Handbook
Ask A Question

Seattle Insurance Partners

Protection You Can Count On

Follow Us

About Us

Our firm is staffed by proven insurance professionals committed to providing our clients with highly personalized service.

Other Links

Privacy Policy
Legal Terms

Address

123 Main Street
Suite 100
Seattle
Washington
98765
206-555-4444
1000 Broad Street
Kirkland
Alabama
98765
425-555-444

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.

Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

© Copyright 2023Seattle Insurance PartnersAll rights reserved.
Insurance Websites powered byAgentMethods