How to Choose the Right Medicare Plan in Beloxi Before Open Enrollment Begins

Navigating Medicare can feel overwhelming, especially as open enrollment approaches. Whether you’re new to Medicare or considering changes to your current plan, taking time to explore your options may help you make informed decisions that align with your health needs and budget.

Understand the Basics

Before diving into plan comparisons, it may be helpful to understand the core components of Medicare:

• Part A—Hospital insurance
• Part B—Medical insurance
• Part C (Medicare Advantage)—Combines Parts A and B, often with additional benefits
• Part D—Prescription drug coverage
• Medigap—Supplemental insurance to cover out-of-pocket costs

Assess Your Current Coverage

Reviewing your current plan can highlight what’s working and what may need improvement. Ask yourself the following questions:

• Are your preferred doctors and pharmacies in-network?
• Do your prescriptions fall under your plan’s formulary?
• Have your health care needs changed in the past year?
• Did parts of your coverage go unused in the past year?

Compare Available Plans

During open enrollment, you can switch plans or add coverage. Comparing options may reveal better value or coverage. Think about the following aspects of your plan:

• Monthly premiums and deductibles
• Out-of-pocket maximums
• Coverage for specialists, dental, vision or hearing-related care

Consider Future Needs

While it’s impossible to predict every health change, thinking ahead may help. Consider the following:

• Do you anticipate needing more frequent care?
• Are you planning to move to a different state?
• Would additional benefits like fitness programs or telehealth be useful?
• Do you expect your income or financial situation to change?

Seek Guidance

You don’t have to navigate Medicare alone. You may benefit from the following steps:

• Speak with a licensed Medicare advisor.
• Contact your State Health Insurance Assistance Program (SHIP).
• Attend local workshops or webinars.

We’re Here to Help

If you live in or around Biloxi, MS and are trying to plan ahead before this year’s Open Enrollment, the team at Insured Solution Group is standing by. Contact one of our knowledgeable and experienced agents today to discuss your Medicare options and start laying the groundwork for optimal future coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.