Photo via Pixabay by Dietcheese
Signing up for Medicare can be a huge relief for many seniors, as the benefits it offers are invaluable for those who have a need for medication or healthcare. However, figuring out which plan is the best one for your specific needs can be difficult, to say the least. There are so many options out there, and the plans you can choose from have varying benefits and rules. Learning about all the details can be overwhelming and stressful, and you may be left without any clear idea of how to proceed.
Fortunately, there are some things you can do to make the process a little easier. Using all the resources at hand is important, especially since there’s lots of information available on Medicare’s website. If you don’t feel comfortable getting online or navigating the site alone, ask a friend or loved one to help you read through the information. You can also talk to your doctor to get an idea of what benefits will serve your needs the best.
Here are a few things to think about when you’re ready to sign up for Medicare.
Do a little homework
It’s pretty crucial to do a bit of research to glean what you can about Medicare and all its parts before you make a decision, since you won’t be able to make changes to your plan until open enrollment returns. Many seniors aren’t comfortable with reading through so much content online, so don’t hesitate to ask for help or print out what you can. The good news is, there are lots of resources available specifically for seniors who don’t spend much time on the internet, and these will help you break down all the information surrounding Medicare and its many parts.
Think about your health needs
No matter what your health needs are at the moment, it’s crucial to think about what they might be in the future. If you are living with a disease or disability, your healthcare needs may change drastically a few years down the road, so you may want to check out the most flexible options, or the ones that will help you effectively manage your condition the best. For instance, a Medicare Advantage Plan will cover some prescription medications that wouldn’t be covered under Part B, and it may also pay for things such as dental or vision care.
Talk to your doctor
It’s important to remember that before you sign up for a new plan or make changes to an existing one, you’ll want to talk to your doctor to make sure she accepts your chosen coverage. While most doctors accept Medicare, certain services may not be covered, which could leave you with a big, unexpected bill. Don’t hesitate to ask questions if you’re unsure of which path to take; write down important points so you’ll remember what to look for when you sign up.
Know all your options
Medicare doesn’t just cover doctor’s visits or hospital stays; it can also help you pay for help at home, which can be hugely beneficial if you want to remain in your own home rather than moving into an assisted living facility. If you have limited mobility, or if you need help completing daily tasks around the house, you may qualify for assistance from Medicare. Having someone around to help out will not only allow you to remain as independent as possible, it will also keep you safe and help prevent issues like falls.
You can find out more about your options -- and learn about many more resources available to you -- by visiting a website with excellent information for seniors, such as BestChoiceSeniorService.com.
Signing up for Medicare -- or for any health insurance plan -- can be a complicated and overwhelming task, but it’s imperative that you don’t put it off. Medicare has specific enrollment periods, and there may be penalties if you wait too long. With a little research, you can make the process much easier.
Name Sharon Wagner