Check your plan does not
exclude Preexisting Conditions
»
You will want to compare your
options before choosing. Consumer Reports
has a check list to help you track plan features.
Click Here
» Medicare and You 2021
offers guidance on your choices.
Click here.
1
Nokia offers a Medicare Advantage
plan with a built-in Prescription
Drug Rx plan.
Like all Medicare
Advantage plans, you need to be sure
that your doctors and hospitals
accept the plan. Also it offers a
limit to out-of-pocket costs. Nokia
provides details at
BenefitAnswersPlus.
Be sure
to check your prescription drug
costs on the list of drugs
(called a formularty).Click
here to view the formulary.
Some
retirees have opted out of just the
Rx plan for a standard Medicare Rx
plan.
Click to see Nokia instruction at page
9
2
Medicare offers a range of
Medicare Advantage plans with or
without Prescription Drugs. You need
to consider whether your doctors and
hospitals accept the plan. And
different plans have different
out-of-pocket maximums. For 2021,
Medicare says the limit cannot
exceed $7,550. The Medicare website,
medicare.gov, allows you to
compare plans for your ZIP code and
will calculate your Rx costs for
different plans.
3
Also consider a supplemental
policy, also called Medigap. You
will have to pay a higher monthly
premium, but these plans pay for
much of what Medicare Advantage
plans do not. Also, it is accepted
anywhere that standard Medicare is
accepted. There are a number of plan
types to choose from, with different
premiums for different benefits, so read the
Medicare Medigap help document.
Click here.
You will need a separate Rx plan.
Visit
medicare.gov And be se sure
to speak to your Health Insurance
Department help line. Get their phone
number here.