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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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Attention: This website is operated by Savoy and is not the Health Insurance Marketplace website. In offering this website, Savoy 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

Medicare Advantage and Prescription Drug Plans are HMO, PPO, and PDP plans with a Medicare Contract. Enrollment in Medicare Advantage and Prescription Drug Plans depends on the plan's contract renewal with Medicare.

Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. You must continue to pay your Medicare Part B premium.

Out-of-network/non-contracted providers are under no obligation to treat members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.

The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

Medicare Advantage organizations and/or Medicare Part D plan sponsors comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments, and restrictions may apply. Benefits, premium and/or co-payments/co-insurance may change on January 1 of each year.

This is not a complete listing of plans available in your service area. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

ATENCIÓN: Si habla espanol, hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al 833.600.6727 (TTY/TDD: 711) 9am - 5pm, Monday - Friday

請注意:如果您講,可免費向您提供語言協助服務。請致電 833.600.6727 (聽力語言殘障服務專線:711) 9am - 5pm, Monday - Friday

This information is available for free in other languages. Please call our customer service number at 833.600.6727 (TTY/TDD: 711) 9am - 5pm, Monday - Friday

A Private Fee-for-Service plan is not Medicare supplement insurance. Providers who do not contract with our plan are not required to see you except in an emergency.

Medicare beneficiaries may also enroll through the CMS Medicare Online Enrollment Center located at

Every year, Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.

You are not required to provide any health related information unless it will be used to determine enrollment eligibility.

Sales agents/producers may be compensated based on your enrollment in a health plan.

Cost Estimates are based on the information shown under My Information, using data about past experiences by beneficiaries with similar attributes and the premiums and benefits provided by the plan. Actual costs may vary. Monthly medical costs are represented by annual figures divided evenly per month.