How to choose a Medicare plan

Here are some questions to think about to help you choose the right coverage. For personalized guidance on finding the right fit for you, use our Medicare: Step-by-Step tool.

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Questions to consider when choosing a plan

Do you want to keep the same doctors?

When transitioning into Medicare, many people want to stay with the same doctors they know and trust. With some plans you can see any doctor who accepts Medicare, and with others you may have limited out-of-network coverage. Be sure to check if your doctors are in-network for the plan you’re considering.

See Medicare providers

Are your medications on the covered-drug list?

Our prescription drug benefits and covered-drug lists, also known as a formulary, vary by plan. Before choosing a plan, it’s a good idea to see if your medications are listed on the plan’s covered-drug list.

View covered-drug lists

Will you be traveling a lot?

Do you travel to different states to see family? Are you planning a trip abroad? Consider these questions and how often you’ll need to see providers or get prescriptions filled while traveling. In most cases, Original Medicare won’t cover your care while you’re outside the United States, so be sure you understand your options.

Learn about traveling with Medicare

Are additional benefits important to you?

Original Medicare does not include routine dental or vision care, or hearing aids—so you may want to consider what level of care you’ll need for your teeth, eyes and ears. You’ll also want to think about care options like 24/7 telehealth, or well-being programs that can help you stay healthy in the years ahead.

Explore telehealth

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Save money by staying in network

All health plans use provider networks, and you’ll save money when you use providers in your plan’s network. That’s because we’ve negotiated discounted prices with our in-network providers—so they charge less when they treat our members.

Health insurance terms to know

Premium: The amount that you pay for your health plan. You usually pay it monthly, quarterly or yearly.

Deductible: The amount you pay for covered health care services before your health plan starts to pay. There may be a medical deductible and/or a separate prescription deductible on your plan.

Copay: A fixed amount ($15, for example) you pay for a covered health care service, usually when you receive the service.

Coinsurance: Your share of the costs of a covered health care service. For most care, you pay any deductibles before coinsurance kicks in. For example, if a doctor’s visit is $100 and you’ve already met your deductible, your coinsurance of 20% would be $20. Regence pays the rest.

Out-of-pocket maximum: The limit to how much you’ll pay out of pocket in a year. Once you hit that maximum, your covered care is paid at 100% for the rest of the year.

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We’re here to help

If you need help with Medicare plans comparison or have any Medicare questions, reach out to a Regence plan advisor at 1 (844) REGENCE (1-844-734-3623) (TTY: 711), from 8 a.m. to 5 p.m. PT, Monday through Friday.

Last updated 03/22/2021