Medicare logo

How to chose a plan:

There are a lot of different factors to consider when choosing a Medicare plan, and it can be difficult to figure out which one is right for you. However, we are here to help you make the best decision for your needs. We will go over all of the different options available to you and help you choose the best possible plan.


How to Choose a Medicare Plan Type

As you begin searching for Medicare Supplemental insurance, there are a few things to keep in mind. First and foremost, there are two types of Medicare plans: Medicare Supplement and Medicare Advantage plans. It’s important to understand the difference between the two before making a decision.


Medicare Supplement plans work alongside Original Medicare, covering expenses not included in Part A and Part B, like deductibles and copayments. On the other hand, Medicare Advantage plans replace Original Medicare with an all-in-one plan that typically includes Part A, Part B, and sometimes Part D coverage.


When deciding which type of plan is right for you, ask yourself these questions:

Do your important physicians participate in any Medicare Advantage plans or do they only accept Original Medicare?

What insurance is accepted by your preferred hospitals?

Do you travel out of the area frequently? If so, you might find that Original Medicare with a Medicare Supplement plan is a good fit for you, since it can be used for any doctor or hospital in the nation that accepts Medicare.

What is your risk tolerance? If you have a year of heavy health spending, do you have enough savings to spend the possible out-of-pocket maximum that a Medicare Advantage plan might require?

How about peace of mind? Are you someone who will sleep better at night knowing you have a lower premium and can just pay for services as you go? If so, then a Medicare Advantage plan might be right for you. However, if you tend to worry about unexpected expenses, a Medicare Supplement plan could give you the peace of mind of knowing exactly what medical spending you will incur regardless of your health.


There is no one-size-fits-all answer when it comes to choosing a Medicare plan type. Ultimately, the best way to decide is to weigh your options and choose the option that best meets your needs.


Helpful tips from our experts:

You can visit our blog post about Medicare Advantage plans vs. Medicare Supplements (Medigap). We have a handy guide that you can download there to read later on. There are a lot of great tips in here about how to choose a Medicare plan that fits you best. Once you’ve decided which route works best for you, you can move on to quotes from insurance companies.


How to Choose a Medicare Supplement

There are many factors to consider when choosing a Medicare Supplement plan. Our agency can run a list of plans in your area and help you compare them. Here are some things to keep in mind:

  • Premiums for Medicare Supplements vary by gender, age, zip code, tobacco usage, and eligibility for household discounts. Sometimes certain state rules can affect premiums as well.
  • At UrMedicare, we look for the top 3 lowest-priced carriers for the plan you want. We then compare which of those carriers has the lowest rate increases in recent years. While there is no crystal ball, we can use this data to make the best decisions possible.
  • Medicare Supplement plans were standardized by the government in 1990. This was done to make it easier to compare plans. You can find our Medicare plans comparison chart on this website for an overview of Plans A – N.


We understand that choosing a Medicare Supplement plan can be confusing and overwhelming. Our experienced agents are here to help you every step of the way. Contact us today for more information.


How to Choose a Medicare Advantage Plan

There are many factors to consider when choosing a Medicare Advantage plan. Our website can help you find options that fit your preferences. The Medicare Plan Finder Tool will let us search for Medicare Advantage plans in your county based on your needs.

Some people prefer Medicare HMO plans for the lowest premiums. Others prefer Medicare PPO plans because they are more flexible and have out-of-network benefits if needed. Some counties also have other plan types like Medicare Cost plans, Special Needs Plans, and PFFS plans.

Our agents are familiar with all of these and can help you sift the results to find a plan that your doctors participate in.


Get Someone on Your Side with Medicare

If you have been asking yourself: Who can help me choose a Medicare plan – look no further! UrMedicare is your one-stop shop for choosing a Medicare plan. We’ll get you the information you need to decide.

We assist our clients with finding plans that are accepted by their important physicians and that are also affordable for their budgets. We then provide free claim support for the life of your policy so you are never alone in dealing with Medicare.


Call today for a quick consultation 317-536-8565

Quick Contact

Connect with us!

© 2022 All rights reserved​