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How Am I Supposed to Pick a Medicare Plan?

This task can be daunting, especially if you live in a large metropolitan area like say…Phoenix, AZ.

In that metro area there are 48 carriers of Medigap plans, each offering as many as 10 plans, 30 Prescription Drug Plans, and 39 Medicare Advantage plans. The mixture means there is a possibility of more than 14,439 combinations that you, as a Medicare consumer, can choose.

Unless you have the tools to discover every plan in your area, you may find selecting an appropriate plan an almost impossible task to perform by yourself.

“Would you go into a hospital emergency room and just ask for an X-Ray, some anesthetic, and a scalpel so that you could operate on yourself? Heck no! You’d want the best doctor or surgeon on duty to fix you. Then why on earth would you try to attempt to pick a Medicare plan without the assistance of a local expert?”

Choosing a plan that is most appropriate for you includes other considerations as well. Do you want a plan with no co-pays or deductibles? How can you tell if your physician is on a network plan that you are considering (no, you can’t call the doctor’s office because they don’t know either, nor are they responsible to give you an accurate answer). So, how do you find out?

If you call to talk to the sales department from one of the carriers and they send an agent to your home, they are probably a one-trick pony. They have one product to sell you for Medicare health coverage! But by golly it will be the next best thing to sliced bread!

How do I pick a Medicare plan?

If you had the choice, would you rather deal with an Advisor who can share offerings from all the Medicare plans?