Determine how much coverage you need.

There are a number of factors to consider before deciding on the right plan for you, including the cost of the various plans and your present and future health care needs. It is best to compare the benefits of each plan. Here are a few questions to ask yourself:

  • Can you afford to pay the Medicare Part A hospital deductible of $992 each time you are hospitalized?

  • Are you willing to pay extra premiums for coverage such as preventive care or foreign travel emergency care?

  • Is home care coverage a priority for you?

  • Are you willing to assume the cost of paying excess charges should you ever see a doctor who does not take assignment?