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Pick the path to coverage that's right for you
Everyone wants to save money on their health insurance coverage. However, you also want to make sure you’re getting the right benefits for YOUR needs. Here are a few things to consider:
Important tips
when choosing
a plan.
Important tips when choosing a plan.
Cost goes beyond what premium you pay each month for your plan. In fact, sometimes lower premiums may mean higher out-of-pocket costs. Consider what you will pay out of your own pocket, including deductibles, copayments and coinsurance when you need care.

Is it important for you to be able to use the doctors and hospitals you want?
  • If you choose a Medicare Advantage plan, you may have network restrictions that limit your health care provider choices.
  • Certain plans may also require you to choose a primary care physician (PCP) to coordinate your care.
  • Check to make sure your current doctors will accept the new plan you want to enroll in.
Even if you don’t take many prescription drugs now, you should think about how your health needs may change in the future. It’s a smart choice to make sure you have coverage in place when you need it. And if you are already taking medications, make sure the plan you choose covers your current prescriptions. You may owe a Part D late enrollment penalty if at any time after your initial enrollment period is over there is a period of 63 days or more in a row when you do not have Part D or other creditable prescription drug coverage.

Do you spend time in another state? If so, make sure you consider a plan that doesn’t have network restrictions that could keep you from using your coverage when you travel.

Does the plan you’re considering offer additional coverage beyond Original Medicare, including benefits for vision, dental or hearing care? Some plans also offer member extras, like special programs and discounts.

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Last Updated: 7/31/2019
MULTI-PLAN_HM_M_19_69389b Accepted 9/14/2019
Attention: This website is operated by Donald C. Savoy, Inc. d/b/a Savoy Associates®, an insurance producer licensed in these states. This is not the Health Insurance Marketplace website. In offering this website, Savoy Associates is required to comply with all applicable federal laws, including the standards established under 45 CFR § 155.220(c) and (d) and standards established under 45 CFR § 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at