| 1 |
Calculate your total healthcare costs. Add together your insurance premiums; doctor, hospital, and drug co-pays; and other costs. |
| 2 |
Make sure you're protected. Avoid high out-of-pocket costs where original Medicare leaves off, but see if you're paying more in premiums than the value you're getting from your current plan. |
| 3 |
Consider all your insurance options. You may find that a Medicare Advantage plan with Part D prescription drug coverage could save you over $1,000 a year. |
| 4 |
Be a smart shopper. Compare plans from a variety of companies -- or let us make that comparison for you for free! |
| 5 |
Read the fine print. Make sure you understand what each plan covers -- and what it doesn't! |
| 6 |
Look at the whole picture. Learn about an insurance company's financial security, customer service, and reputation before signing up. |
| 7 |
Get all your questions answered. Your healthcare is too important to leave to chance. |
| 8 |
Make a realistic choice. Don't leave a Medigap or supplemental insurance plan for a very low premium plan if you expect to be frequently hospitalized. |
| 9 |
Consider the source. Be cautious about signing up for a plan directly with a company or at a seminar that sells only one company's plans. |
| 10 |
Get expert advice. Aon Hewitt Navigators Insurance Services Inc. (formerly known as Senior Educators Insurance Services) is here to help with advice that's objective, impartial, and free. For free help navigating Medicare insurance and choosing a policy that meets your needs, click here |
