Senior Health Insurance Plans: A Guide to Better Healthcare Choices

This information can help you identify which benefits matter most.

Compare Total Costs

Do not compare plans by monthly premiums alone. Review deductibles, copayments, coinsurance, prescription costs, and annual out-of-pocket limits where applicable.

A plan with a low premium may have higher costs when you receive care. Estimate your likely healthcare expenses before choosing coverage.

Check Doctors and Hospitals

If you are considering Medicare Advantage, review the plan's provider network. Confirm that your preferred doctors, specialists, and hospitals participate.

If you travel often or spend part of the year in another state, consider how the plan handles care outside its service area.

Understand Enrollment Periods

Medicare has specific enrollment periods and rules.

The Initial Enrollment Period generally lasts seven months: three months before the month you turn 65, your birthday month, and three months afterward.

Other opportunities may be available during the Annual Enrollment Period or through certain Special Enrollment Periods. Eligibility and permitted changes depend on your circumstances.

If you are considering Medigap, pay particular attention to your enrollment rights and timing because protections and underwriting rules can vary.