Selecting the right Medicare plan is one of the most important health care decisions you’ll make as you approach age 65 or experience a qualifying event. With several options available — including Original Medicare, Medicare Advantage, Part D (prescription drug plans), and Medigap — it’s essential to assess your personal needs, budget, and preferred doctors or hospitals.
Consider how often you visit doctors, whether you need specialist care, and whether you take regular medications. These factors will help determine whether a basic plan or a more comprehensive one makes sense.
Original Medicare offers nationwide provider flexibility but may leave gaps in coverage. Medicare Advantage plans, offered by private companies, often include drug coverage and extra benefits, but may have network restrictions.
Reviewing star ratings, comparing costs, and understanding out-of-pocket maximums will also guide your decision. If the process feels overwhelming, working with a licensed Medicare advisor can simplify everything and ensure you choose the plan best suited to your life.
