3 Steps to Choosing the Right Medicare Plan
Navigating Medicare can be confusing, especially as you approach 65 or face changing healthcare needs. With a variety of plans, parts, and supplemental options, it’s easy to feel overwhelmed. But selecting the right Medicare coverage doesn’t have to be stressful.
At Nelson, Bryan, and Cross, we help Alabama seniors and their families understand their healthcare choices. Whether you’re enrolling for the first time or reviewing your annual options, here are three steps to guide you toward the best Medicare plan for your needs.
Step 1: Understand the Different Parts of Medicare
Medicare is divided into four parts:
Part A covers inpatient hospital care, skilled nursing, hospice, and some home health care. Most people don’t pay a premium for Part A if they’ve paid Medicare taxes during their working years.
Part B covers outpatient services, doctor visits, lab tests, preventive screenings, and medical equipment. There is a monthly premium for Part B.
Part C, also called Medicare Advantage, is offered by private insurers. These plans combine Parts A and B, and often include prescription drug coverage and additional benefits like dental or vision.
Part D provides prescription drug coverage. It can be purchased as a standalone plan or bundled within a Medicare Advantage plan.
You can also choose to add a Medigap (Supplemental) plan to cover deductibles, coinsurance, and out-of-pocket costs not paid by Parts A and B.
Understanding what each part covers helps you compare what you need—and what you can skip.
Step 2: Evaluate Your Medical and Financial Needs
Your health and finances play a major role in which Medicare plan is right for you.
Ask yourself:
Do I take regular prescription medications?
Do I see specialists often?
Do I prefer a specific doctor or hospital?
Can I afford higher monthly premiums in exchange for lower out-of-pocket costs?
If you want flexibility in choosing providers and anticipate frequent care, Original Medicare (Parts A & B) with a Medigap plan may be a better fit. If you prefer an all-in-one option and are willing to use network providers, a Medicare Advantage plan could offer convenience and savings.
Also consider your travel habits. Medicare Advantage plans are often region-specific, while Original Medicare is accepted nationwide.
Step 3: Compare Plan Options Annually
Medicare plans—and your health—can change each year. The Annual Enrollment Period (October 15 – December 7) is your chance to review your plan and make changes.
Use Medicare’s Plan Finder Tool at Medicare.gov or work with a trusted advisor to:
Compare premiums, deductibles, and drug coverage
Check if your medications and doctors are covered
Review any upcoming plan changes
Don't assume last year’s plan is still the best fit—reevaluate yearly to avoid costly surprises.
Final Thoughts
Choosing the right Medicare plan takes time and careful consideration. By understanding the basics, assessing your personal needs, and comparing options annually, you can feel confident in your coverage.
And if questions arise—especially about how Medicare interacts with disability, long-term care, or legal guardianship—don’t go it alone.
Contact us today to schedule a consultation. Our attorneys are here to help you make informed decisions about Medicare, estate planning, and protecting your future.
