Medicare Considerations

Choosing the Right Plan for You

Choosing the best Medicare plan for you is an important decision. There are a lot of aspects to consider, whether you are enrolling for the first time or thinking about changing your plan. Below are a few basics to keep in mind before choosing your plan:

Current coverage

Compare your options to your current plan and make sure your selection covers the primary and specialty services you need. You can’t foresee a sudden illness or injury, but you can anticipate some medical needs.

For example, if you have a family history of heart disease or diabetes, your plan should include the necessary screenings and prescriptions. And if you need help managing chronic conditions such as arthritis or asthma, make sure you have access to doctors who specialize in those conditions.

Access to other coverage

If you already have or are eligible for other types of health insurance through an employer, union or other source, research how Medicare will impact that coverage. Your benefits or plan administrator can help answer your questions.

Cost

Find out your share of the costs for any plan before you sign up. This includes deductibles and yearly limits as well as your co-pay for primary care and specialist visits, hospital stays and services.

Choose your doctor and hospital

Decide what primary care doctor and network of care is best for you. Think about what you want in a doctor including your preferences on gender, philosophy of care and location. Be sure your physician can refer you to the specialists and hospital you need. Scripps physicians and hospitals are available through several Medicare Advantage plans in San Diego.

Prescriptions

Make sure the plan you are considering covers any current prescription medications you take and that you can get them filled at the pharmacy you prefer.

Quality of care

Research quality and patient satisfaction data for potential primary care physician groups and health networks to determine what plan best meets your needs.

Convenience

Make sure care is convenient and accessible. Consider a primary care doctor and network of care that is close to you and offers the hours you need. Learn about available urgent care and emergency services. Check to see if they offer conveniences such as electronic health records and e-mail communication with your doctor. Scripps Clinic and Scripps Coastal Medical Center, offer more than 25 neighborhood clinics throughout San Diego County and our patients can enroll in the MyScripps patient portal.

Travel

If you are retiring, you may be planning to travel more. Check to see how your coverage applies in another state or outside of the country.