| Mon, Oct 18, 2010 @ 09:00 AM

Five Things You Should Know before Enrolling in Medicare

Posted by Medicare Made Clear

Enrolling in MedicareMedicare is a federal government health program for those age 65 and older and some individuals under age 65 with certain disabilities. There are two ways to get Medicare: Original Medicare (usually referred to as Part A and Part B) or Medicare Advantage (Part C). You’ll need to choose the method you want. Once you have made that decision, some parts of Medicare give you several choices of plans and private insurance companies that offer them. You’ll need to do some research to find the best choice for you.

Consider the following so you can make an informed decision.

Your Health

Knowing all about your current state of your health is important when considering your various options and enrolling in a Medicare plan. While many of us may think we are know just how healthy we are, you should check with your health care provider for a true summary of your health. Make a list of your recent illnesses, prescriptions you are currently taking, any chronic conditions, recent procedures, etc.

Your Doctors

Make a list of all of the doctors you currently see, including specialists that you may have only visited a few times. If it is important to you to continue having coverage for your preferred providers, consider who is covered under which plans when you enroll in a Medicare plan.

Your Eligibility

Collect information on any and all insurance for which you are currently eligible. Perhaps you have coverage from an employer or a spouse. You may want to consider keeping some of the coverage you currently have.

The Cost

Review your financial records to determine how much you spent on medical care last year. This will be helpful in selecting a plan that is suited to your needs. You do not want to pay for coverage you do not need or end up paying out-of-pocket for care that could have been covered.

Your Budget

 Determine what you can comfortably spend on medical coverage each month. You should also look at what your expenses for health care have been over the past year. This should help you to narrow down your options and select a plan that protects both your physical and financial health.

Check out the Medicare Plan Finder tool to receive some customized recommendations for your situation.

Additional Resources

http://abcnews.go.com/Health/story?id=1314142

http://www.agis.com/Eldercare-Basics/Support-Services/Medicare-and-Medicaid/Checklist/AGISSelectMedicarePlan.pdf

http://www.thehealthcareblog.com

The family of UnitedHealthcare® Medicare Solutions plans are insured or covered by an affiliate of UnitedHealthcare, a Medicare Advantage organization with a Medicare contract and Medicare-approved Part D Sponsor.

Y0066_100927_111954 File & Use 10022010