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If you’re nearing retirement age and are considering your Medicare options, getting the right information is essential. If you’re located in the Denver, CO, area and need commonsense answers to your health care questions, turn to Mary Marshall Medicare - Independent Broker. Below, she provides some helpful do’s and don’ts for pursuing Medicare benefits.

Do

Keep Medications in Mind

When searching for a plan, you’ll need to consider the prescription drug allowance. Checking to make sure that your medications are included is critical. If they aren’t, you’ll have to pay for any prescriptions that fall outside of your selected plan. 

Speak With Your Current Doctor

If you have a primary care physician, discuss with him or her before deciding on a plan. Your current doctor might not be included, which means you’d have to select a new one or pay out-of-pocket for any primary care services you might need. These expenses can be prohibitive, and exploring your Medicare coverage options is your best chance of receiving reasonable rates.

Don’t

medicareWait Too Long

You should sign up for Medicare as soon as you’re eligible. If you delay, you can face penalties. For instance, with Part B you could be subject to a ten percent premium increase for every year you miss enrollment.

Don’t Assume Everything Is Covered

You should be aware that this insurance will not cover long-term health care expenses. Medicare only picks up a portion of costs related to placement in assisted living or nursing home facilities. Things like dental and vision needs may not be covered either, which necessitates a thorough reading of a policy before you make a decision.

If you have questions about Medicare insurance, Mary Marshall has answers. Contact this Medicare independent broker today by calling (303) 241-6665. Seniors in Denver can also visit her online to learn more about their health care options.  

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