Top 3 Tasks Before Purchasing a Medicare Advantage Plan, Reports Insurance Medics

FORT LAUDERDALE, Fla., Nov. 20, 2012 (GLOBE NEWSWIRE) -- Medicare Advantage plans have great benefits and with premiums at zero, you just can't go wrong with such a plan. Most Advantage plans have low copayments on doctor visits and low out of pocket costs in unfortunate circumstances, such as hospitalization and major surgeries. Many Advantage plans have Part D (Prescription coverage) included at no cost. Several Advantages plans also include dental, vision, hearing, and a free gym membership! However, it is very important to know what to look for before purchasing a Medicare Advantage plan. The following are the top 3 tasks to complete before making a choice on which Advantage plan is best for you.

1. Check to see if your doctors are in the plans network. There are hundreds of Advantage plans offered by dozens of carriers. Whether the plan is a HMO or a PPO will also have a great deal of difference in network and copayments. When speaking to an Agent/Broker, be sure to ask if your doctors accept the specific plan, before making a decision. It will be helpful to have a complete list of your doctors you regularly see.
2. Check your prescriptions! Drugs can be very expensive. For most seniors, prescriptions can be their most costly out of pocket expense. For starters, make sure an Advantage plan has prescription coverage, and then have your agent/broker check the plans drug database to find out exactly what you will be paying for each drug per month or year.
3. Find out what additional benefits are included! For instance, some plans include dental, vision, hearing or even a free gym membership. Some plans even offer all four benefits. Having all or most of these benefits will help reduce your monthly and yearly costs.

When following these tasks, you will have confidence when looking for a plan. Majority of Medicare Advantage plans have $0 premiums, so make sure you are getting the best free plan that is available. We all want the best. For assistance with any of these 3 tasks or any questions on Advantage plans visit www.MedicareMedics.com

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