NOTE: No matter which plan is chosen, make sure that the doctor, hospital or drug that matters most is still covered at the time of enrollment.
Coverage - are the needed services covered?
Other coverage - do you have, or are you eligible for, other types of health or prescription drug coverage? If so, read the materials you get from your insurer or plan, or call them to find out how the coverage works with, or are affected by, Medicare. If you have coverage through a former or current employer or union, or get your health care from an Indian Health or Tribal Health Program, talk to your benefits administrator, insurer, or plan before making any changes to your coverage.
Cost - how much are your premiums, deductibles, and other costs? How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out-of-pocket for medical services? Your costs vary and may be different if you don't follow the coverage rules.
Doctor and hospital choice - do your doctors accept the coverage? Are the doctors you want to see accepting new patients? Do you have to choose your hospital and health care providers from a network? Do you need to get referrals
Quality of care - the quality of care and services given by plans and other health care providers can vary. Medicare has information to help you compare plans and providers.
Convenience - Where are the doctors' offices? What are their hours? Which pharmacies can you use? Can you get your prescriptions by mail? Do the doctors use electronic health records or E-prescribe?
Travel - Will the plan cover you in another state?