At 65 someone in pretty good health with only one prescription drug, which Medicare Plan should they get?
- ZarnevLv 78 years agoFavorite Answer
The reason I go through the trouble of contracting to sell every plan in my area is because every plan is best for someone but no plan is best for everyone. With the little information you provided it would be impossible for anybody to properly advise you. For one thing, many of these plans are county specific, so not knowing your state or county there is no way to know what is available to you.
In general, you have a choice between straight Medicare with a Medicare Supplement or getting on a Medicare Advantage plan.
The Supplements are available as Plans A, B, C, D, F, hi ded F, G, K, L, M, and N. Plans available depends upon which companies are in your state. However, Plan F is the most comprehensive. One thing you need to know about Supplements is the plans are exactly the same between companies.
The Advantage plans are available as an HMO, HMO/POS, PPO, PFFS, MSA, SNP, Dual, Cost, and PACE plans. There also may be a demonstration plan in your county.
Also, you need to get drug coverage. None of the Supplements have drug coverage so you need to purchase a separate stand alone drug plan. Most of the Advantage plans have drug coverage. Of those that don't, some will allow you to get a separate stand alone drug plan whiles others won't, so you need to make sure that you have the proper types of plans.
There are pros and cons with all types. You'll want to speak with an agent who knows all types and works with all of the companies in your area for more assistance. There is no charge using an agent.Source(s): Independent Ägent
- ?Lv 78 years ago
Your health has nothing to do with Medicare. It is not insurance, therefore it does not discriminate. You sign up for either straight Medicare or Advantage plan when you turn 65. The plans vary in every region and the Part D drug plans vary. They are available on the website or in the book you receive when you get enrolled. There is no specific plan unless you enroll in an Advantage plan which is like an HMO or PPO. Otherwise you can see any doctor who accepts Medicare.