You’re finally “at that age.” You know the one – the age where you can qualify for Medicare. And, as if turning 65 isn’t stressful enough, you now have to choose a Medicare Advantage plan. Not only do you have to pick the right plan, but you also have to make sure it’s offered in your area. It’s a lot to think about, which is why we’ve put together this helpful guide.
Overview of Medicare Advantage Plans in Philadelphia
There are two types of Medicare Advantage plans available in Philadelphia: Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). HMOs usually have lower monthly premiums but require you to see doctors who are in-network. PPOs usually have higher monthly premiums but offer more flexibility when it comes to choosing your doctor.
How to Pick the Right Plan
The best way to pick the right plan is by determining your needs and then comparing them against what each plan offers. For example, if you have a chronic illness that requires regular trips to the doctor, an HMO might not be the best option because you’d be restricted to in-network doctors only. Conversely, if you’re generally healthy and only see the doctor for annual checkups, an HMO might be a good option because it could save you money on premiums.
Once you’ve determined what type of plan is right for you, here are some other factors to consider when making your decision:
– Monthly premium cost
– Annual deductible amount
– Doctor and hospital availability
– Prescription drug coverage
Making Your Decision
Once you’ve considered all of the factors above, it’s time to make your decision. If you’re still having trouble choosing a plan, don’t worry – you can always contact Medicare or speak with your doctor for more guidance. The most important thing is that you choose a plan that meets your needs so that you can stay healthy and happy!
Now that you know more about how to choose the right Medicare Advantage plan in Philadelphia, the decision should be a little easier. Just remember to consider your needs, compare plans, and then make your decision. And if you need more help, don’t hesitate to reach out to us at BroadZero!